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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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Drydensfairfax Arrow Global and MBNA


scarydays
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Just need a quick piece of advice as waiting for a senior manager from MBNA to phone back.

 

I have a loan with them, and have been paying off an amount each month under an arrangement. I have missed a couple of payments, and received some letters etc.

 

I phoned on Friday to bring the payments up to date, gave a CC number to do this, which they took. They told me on the phone all was ok, now up to date.

 

Later that evening they left a message on my answer phone to appologise but that they didn't realise I was paying with a Credit Card, they only accept Debit cards. So I phoned on Saturday and paid by debit card.

 

They again confirmed that everything was ok.

 

I got a letter yesterday, dated 1st Feb saying, "our records indicate that you have defaulted on your reduced payment plan. Failure to repay the missed payment and subsequent payments will result in the registration of a default at the Credit Referece Agency and the eventual termination of the agreement" etc. etc.

 

I assumed, given the date, that it had just crossed in the system with my payment, but I thought as I had a spare moment today, I would just give them a call.

 

The girl on the phone was very appologetic and said that defaulted the account on 28th, it was now showing as a balance of Zero as they have sold the debt on.

 

WHAT?

 

I have requested to speak to a senior manager and one is due to call me back.

 

Where do I stand with this one, does anyone know?

 

Many thanks,

 

SD

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Have you had a default notice served on you?

Arrow Global/MBNA - Discontinued and paid costs

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

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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the first thing i would do is check how much money has been taken from your cc and dc

 

the second thing i would do is write to your bank and ensure that no fut=rther payments are made from your dc to this creditor

 

the third thing i would do is NEVER pay them in this way again- they now have your bank details- not a good thing

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  • 3 weeks later...

I sent a CCA request to AIC regarding an MBNA CC debt they are chasing me for. I today received a letter from them (returning my letter and my PO) stating that they are only acting on behalf of MBNA and that I should send my request directly to MBNA - and that they, AIC, would continue to contact me and will move on to further recovery action.

 

Do I just send a new CCA request to MBNA ? Should I respond at all to the AIC letter?

 

SD

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I sent a CCA request to AIC regarding an MBNA CC debt they are chasing me for. I today received a letter from them (returning my letter and my PO) stating that they are only acting on behalf of MBNA and that I should send my request directly to MBNA - and that they, AIC, would continue to contact me and will move on to further recovery action.

 

Do I just send a new CCA request to MBNA ? Should I respond at all to the AIC letter?

 

SD

 

garbage!

 

if they are chasing you, they need to have the correct docs!

 

after 12+2 days they fail.

 

send them the failure to comply letter if they dont play ball.

 

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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if they are acting on behalf of mbna they have a duty to pass the request on to mbna and not return it to you

 

they are in breach of oft guidelines and you should report them and suggest their licence be restricted until such time as they comply with OFT guidelines

 

the time starts for compliance by mbna when it was received by their "agent"

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I have a loan with MBNA which I am paying off. I paid them on 28th Jan over the phone by debit card, as usual, but then received a default notice on 8th Feb saying they had defaulted the account for non-payment. I even asked the person when I was making the payment on 28th if everything was in order on the acccount, and she said yes.

 

The person on the phone today - I have been waiting over 2 weeks to speak with a manager, said that the account defaulted on the 29th as my payment did not go through until the 30th.

 

He says there is nothing I can do. The account will be sold to a DC. He gave me an address to write to, but said there is little point.

 

What should I do? And advice.

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Gotta love MBNA! :rolleyes:

 

Can you block out all your personal info on the Default notice, scan it in and post it here?

 

How many (if any) consecutive payments had you missed prior to payment on 28th jan?

 

 

Your first course of action is a SAR. Request:

The communications log/customer information system;

Copies of all corespondence (including the default notice and notice of termination);

A list of transactions and a copy of any contract relating to this account.

 

Remember, send recorded delivery with a cheque for £10.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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  • 3 weeks later...

I CCA'd MBNA for an agreement for a Credit Card. Today I received paperwork from them which quite frankly just looks like they typed up a document and sent it through. It's a word document, it has my current address on it, although I believe I took out this card prior to moving to this address, it is not signed by anyone, in fact there is nowhere to sign .....

 

Have MBNA just made this document up? They describe it as a "copy of the credit agreement that you signed.

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you p'haps need to look at a few threads in the MBNA forum.

 

what you describe is typical for them.

 

they think they are above the CCA laws.

 

i'd post athread there too TBH.

 

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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  • 2 years later...

I received a Claim Form last week for Northampton from

 

Drydans on behalf of Arrow Global for

 

a debt they claim I owed to MBNA which they claim to now own.

 

I am not aware of any debt owed to MBNA.

 

I did have a MBNA credit card which has been paid off and I no longer have the card

 

- and I've just checked my credit record and it is marked as settled

- since 2009.

 

hich I believe is correct.

 

I've logged on and acknowledged service and said I will defend the claim.

 

Any suggestions as to how this could have come about? and how I should go about my defence?

 

Many thanks.

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From reading this and other sites it would seem that Arrow are getting trigger happy with court action.

Is this the first communication that you have had?

Have you moved house in the last few years as there is some suspicion that some solicitors are not playing by the rules and sending LBA's etc to addresses that they know will not be occupied.

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  • 2 weeks later...

I received a claim form from Northampton Claimant Arrow Global Guernsey via DrysdensFairfax for an old debt which is marked as settled on my credit file.

 

I have in the past submitted a SAR and CPR request to MBNA and to other DC's -but have never received anything back.

 

I acknowledged service and sent a CPR31.14 to Drysdens - haven't heard anything and needed to file a defence by yesterday. Not sure if I have messed up, but I just put in a defence saying I denied everything and was awaiting the documents listed in the POC in order that I could put together a proper defence.

 

The only correspondence I have received from Drysdens since the court claim is a letter from them claiming they had got judgement against me, despite the fact that they had not.

 

Should I do anything else? I'm feeling a little exposed as I have not filed a proper defence.

 

Should I send a SAR/CPR to Arrow Global Guernsey - whom I have never had any dealings with?

 

Or do I send them to Drysdens? And do I need to provide anything extra to the court at present?

 

Thanks,

 

SD

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Hi scary

 

Could you possibly post the defence you have submitted along with the particulars of claim (verbatim less any identifiable data).

 

Regards

 

Andy

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Thanks Andy

 

POC is

 

1. THe claim is for the sum of £xx in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number xxxxx upon which the defendant failed to maintain payments.

 

2. A default notie was served upon the defendant and has not been complied with

 

3. By virtue of a sale agreement between MBNA and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter.

 

My defence :

 

I deny any indebtedness to the claimant.

I have sent the solicitor for the claimant a CPR31.14 request for the documents relied upon in the Particulars of Claim. Until I receive these documents I am unsure as to exactly what the claimant's claim is for and am finding it difficult to file a full

and complete defence under the circumstances.

 

Defence (continued)

The Defendant respectfully requests that the Court stay (Suspend)

the proceedings under Practice Direction 4.6 (1) until the

claimant complies with the defendants CPR31.14 request. The defendant respectfully requests that the court impose a time scale of fourteen (14) days upon the claimant to comply with the defendant's rightful entitlement to inspect the documents that the claimant's claim is to rely on, and that should the claimant fail

to comply with the court's order, then the defendant respectfully requests that upon notification by the defendant to the court of

the claimant's failure to comply with the Practice Direction sanctions imposed by the court, that the court makes the motion to

strike out the claimant's claim on the grounds that the claimant is unable to substantiate the claim.

The Defendant also makes a respectful request to the court for the court's consideration, to permit the defendant to submit an amended defence if the claimant supplies the requested documents mentioned.

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Ok scary lets wait until they respond and if so the completion of the AQ.

 

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

 

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

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Well you have put them to strict proof to disclose what their claim is founded on..if they are unable or the DJ instructs disclosure they may well back off...as stated lets see what response is attained.

 

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

 

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

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