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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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MBNA/Virgin successful PPI claim


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Hi cagers,

 

I have an MBNA Virgin card with £5000 on it. Lost my job and was out of work from august till now and i wont get paid untill the end of this month. I informed MBNA of this and that i would not be able to make a payment until the end of this month. Now i am getting bombarded with calls from them and have stopped answering but still they try despite them being fully aware of the situation and the fact they WILL get paid on the 29th Oct. As a result i have decided to see if they actually have the correct paper work and do a CCA request. Does anyone on here know a good contact name and adress for MBNA? Also if you could take a look at my letter below and see if it looks ok. would be much appreciated.

 

 

Dear Sir/Madam

 

Re:− Account/Reference Number *********

 

This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

I look forward to hearing from you.

 

Yours faithfully

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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  • 1 month later...

Just a quick question is it possible to still claim back PPI on credit cards that have been closed?

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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We have many examples of results outside of 6 years.

In fact our Webmaster here on CAG recently had one such result over Barclaycard.

Section 32c adequately covers this in 99.9% of cases.

If you are going to rely on this-it needs to be made clear from the outset and not introduced later.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It is not impossible, but that's only down to ineffective or incompetent representation. Failings here should not be taken ada green light to success. I have won one, and lost another due to the 72 month limit. When I lost, it was because my action was deemed incompetent as outside the SoL. I asked for leave to amend and this was refused. So, let's be clear, it is a lottery, but advice to claim in excess of 72 months should be given with the caveat that the claim may, as a result, be disallowed.

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Its not a lottery if it is clearly addressed early on.

In fact Barclays fought bitterly with me and threw lots of money in doing so by using an expensive Barrister-but the Judge having read the precedent in the case of Kleinwort Benson-v-Lincoln City Council refused to allow their objections and demands to refuse the application.

It may need a sep hearing before the trial,to determine if it should be allowed,this was the case with mine.

However,most if not all,of the banks and financial instituitions are now accepting that there is very little defence to section 32c if any defence at all.

Although the FOS will generally only seek to deal with 6 year complaints,the FSA handbook actually says that for the purpose of limitation they regard 3 years from being aware that there is cause of action as reasonable.

Cause of action of course begins when the complainant first becomes aware.

 

The only challenge that perhaps could be made,is where a claimant had already made a claim beyond 6 years.

The bank could then argue that discovery of the "mistake" had already exhausted 6 years.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 7 months later...

Im looking into claiming back my PPI charges with MBNA/Virgin and i not iced that there is an unexplained charge on there simpyl called finance charge. I though at first they might be the interest but there is often more than one a month. Does anyone know what they might be for?

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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seems weird....

 

can you scan up the statement?

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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Here is a sample statement as you suggested. there is more than two of thesee finance charges they really dont make much sense to me.

IMG.pdf

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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Here is a sample statement as you suggested. there is more than two of thesee finance charges they really dont make much sense to me.

 

Is this a credit card or loan and are u still using it for purchases ?

 

I think it's the interest charge but seems a strange terminology

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It's a CC thats been paid of im looking to claim PPI back yes the credit insurance fee is another terminology for PPI. I thought the finance charges might be interest but there is more than one a month.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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  • 1 month later...

This is probably jsut be being stupid but i cant find any Templates in the Library for claiming PPI can someone point me in the correct direction?

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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its not 'only' a case of firing off templates

 

you really need to do some reading of a few threads in the ppi forum

 

dont get me wrong, its not anything difficult, but,

to show you mean business

you need to do it properly or they'll walk all over you and spoof you with a low recliam figure

 

the fos website is a good place to start:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

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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  • 10 months later...

I have just had a response from MBNA regarding my PPI

unsupriingly they rejected as this seems a standard response from them.

 

They claim first that i ticked the the box for PPI where as im sure it was already ticked

secondly they claim there was information on a second screen which i have a problem with.

 

I have drafted a response to them, at the moment it is very rough and needs some grammer correcting etc.

but i thought i would put it up for comment as it would be relevant for most people rejected by MBNA

as the information provided on a seperate screen seems a common way for them to fob customers off.

 

I am writing about a mistake made by one of your members of staff relating to mis-sold PPI

and i am writing this letter to give you an opportunity to correct this mistake before i complain to the FoS and FSA

 

I believe that the PPI box was automatically ticked on the application screen

there was no information regarding the PPI such as costs etc.

 

There was no information that the payment protection involved the purchase of insurance

indeed it was called payment protection cover.

 

Nor at any time was there information that the policy could be cancelled.

 

The letter sent by your staff member claims that information appeared on a separate screen

i do not believe that a responsible financial institute to behave

 

as in the first case it would not necessarily be clear that this separate screen provided

any information about payment protection insurance and indeed in a lot of cases

it would open behind the main screen or in a separate tab thus it would not be noticed at all

 

A responsible financial institute would place the necessary information next to the tick box to ensure

that it would be seen at the time.

 

In the second case as an IT professional I always ensure that my browser does not allow second pop up screens

as this is a method used by certain websites to place viruses on machines

and deliver unwanted advertising this is common practice among IT professionals

and users alike which is another reason that placing any important information on a separate screen

is irresponsible as it means a responsible computer user would unwittingly block this necessary information.

 

If this information did exist as your member of staff asserts

you would have provided it along with the rest of the information you provided regarding the application.

 

As it was not supplied I believe that no such separate screen existed.

 

I also believe that failing to provide all terms and conditions for the credit card

and the PPI on the same screen as the electronic signature would breach FSA guidelines.

 

Nothing in the documents sent by your member of staff lead me to believe that the PPI was sold fairly

 

As such MBNA did not provide the written documents required under the FSA’s rules

(such as, for example, a policy summary, statement of price, or statement of demands and needs).

A list of the relevant documents is set out in the FSA Handbook,

as are the timescales for providing the documents and, where relevant,

the need to stress to the customer the importance of reading the material.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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please post upi the letter you refer too.

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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what part of please blank out all pers info did you forget

 

posts removed

 

as for the letter

 

thats utter bull

 

we know the boxes on the mbna website were pre ticked

and they've already coughed on such cases

 

he can 'speculate' as much as he likes

 

but he needs to 'prove' the box was not already ticked

 

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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  • 1 month later...

I couldn't find my old thread so have started a new one but to be honest there wasn't much on it.

 

Just received a lovely letter from MBNA denying everything that I have put into my letter (no surprise there)

but they have upheld my complaint and are sending me a cheque.

 

A quick blow by blow account

 

I did the normal thing and sent a sar

then i made a claim based on that SAR based on the fact i had been mis-sold due to being unemployed.

 

They sent a letter back denying that i had been mis-sold due to it being an unadvised sale and that they given me all the required information on a separate screen.

 

I then sent an e-mail to the CEO of the European card division informing him that this was my final letter before i sent them a letter before action and made a complaint to FOS and FSA.

 

My points in the letter where that he PPI was mis-sold as the PPI box was pre ticked

 

That there was no information that the purchase of PPI involved buying insurance.

 

Nor at any time was there information that the policy could be cancelled

 

That in the letter sent by their staff claimed that this information was on a separate screen

i pointed out that this was irresponsible as such popups are often blocked as they are a popular method for getting viruses onto machines.

The information should have been next to tick box otherwise a responsible computer user may block this necessary information.

 

I also pointed out that they did not supply the T&C's of the PPI when i did a SAR

and as such they have either broke ICO guidelines or the conditions did not exist and as such MBNA did not provide the written documents as required by the FSA.

 

The letter they sent back denies everything but upholds my complaint.

 

I hope this provides a glimer of hope for others who have a virgin/MBNA card who applied online and were mis-sold PPI.

 

Now one the cheque has arrived time to reclaim unfair charges i think they will fight harder on that one.

 

A big thank you to CAG this site and its community is a goldmine of information.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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  • 8 months later...

A while ago i defaulted on an MBNA credit card. Later on noticed that all pof the debit woudl have been due to PPI which i successfully claimed back. However the default is on my credit file is still on my credit files and the Credit agencies wont remove it without MBNA say so. I believe i need to simply contact the department responsible for ICO compliance but i don't know which department that is.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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  • dx100uk changed the title to Can i reclaim PPI on Closed accounts
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