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    • 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).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no 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 “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide 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.  3.4        I also do not believe the claimant possesses this document.  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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        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.  7.8        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. 
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Claim form (MKDP LLP) old HSBC ban account


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Hi, the last post on your thread was 12 days ago - but I'd love to know what you decided to do. I must say I'm totally confused. Is there a thread somewhere that I've missed?

 

Just when I though all that was left to do was "Part C" .... now we're being advised to tick a) at a hearing, NOT c) without a hearing.

 

If anyone can point me in the right direction I'd really appreciate it

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It's realy up to you as the note says. It costs £35.00 without a hearing and £65.00 with a hearing. The thought is its easier to put your points over in the flesh so to speak, especialy if you are good at arguing (not loosing your temper) face to face.

 

fill in the rest exactly how it says

 

pete

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  • 4 weeks later...

Here's an update on my progress.....

 

After hearing nothing for a few weeks after submitting my N244 I phoned Derby County Court to be told that there was a backlog of such cases, and that the recent Bank Holiday hadn't helped. I was assured that my application had been received, and on time, but was still with the judge.

 

A week or so later I received a Notice of Hearing, dated 5th Sept, stating that I was to have a hearing on Friday 21st Sept. to last for 10 minutes.

 

Having received this Notice of Hearing, I have received a letter from DG Solicitors, for the first time, advising that they intend to apply for a stay!! Surely they are aware that the claim was stayed, then that stay was removed? Is this another delay tactic and is the Court likely to grant the stay?

 

Either way I received a Notice of Transfer of Proceedings from the court on Wednesday advising that, as a result of an order made on 14th Sept, my Claim has been transferred to the Nottingham County Court for a hearing before His Honour Judge Inglis on a date to be fixed.

 

So my Claim has been adjourned. The Order states that, as this decision was made by the Court "...without considering representations from the parties, the parties have the right to have the order set aside, varied or stayed...".

 

I can't help but be annoyed by this. Another setback!! I was given a hearing date for 2nd October then, what with the OFT announcement, the Court decided to stay my Claim. I applied to have this stay removed and was given a hearing date to this effect for 21st September. Now the Court has decided to adjourn this hearing indefinately?

 

Isn't this just a different type of stay? Is there a limit on how long the Court can take to set a new hearing date? Can they just wait until after the OFT case? Surely this defeats the point of me having the original stay set aside? Can I apply to have this adjournment removed? For what reason?

 

DD :(

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Maybe they decided to hold off sending it initially when they realised that the court had decided to stay my Claim itself.

 

Now that the stay has been *supposedly* lifted, they have decided to send it? It the stay applied on the Court's own iniative is removed, would the Court uphold a request for a stay from DG?

 

DD

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Hearing for the removal of the stay is scheduled now for Wed 3rd Oct. @ Nott County Court @ 10:30.

 

Might have a problem getting this day off work! Damn the courts for adjourning! Then what happens? Presumably if I can't make court my request to have the stay set-aside is thrown out?

 

Presuming I can arrange time off work, any advice of what to expect or what to prepare will be greatly appreciated........

 

DD

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  • 4 years later...

Wow, how time flies. Thanks to everyone who took the time to reply to this post, albeit years ago!

 

Unfortunately my debt problems continue. I started a new general post (http://www.consumeractiongroup.co.uk/forum/showthread.php?357650-Where-to-start-Help-needed-please) but was advised to post in individual forums - so I thought that I would rehash this post!

 

Regarding the reclaiming of bank charges, I was granted a hearing for the removal of the stay on 3rd Oct 2007 but stupidly/unfortunately did not attend due to (i) a breakdown in my relationship with my partner and separation from her and my 1 yr old and (ii) being away on residential training with new employment over that date. I also moved house around this time and therefore received nothing further from the courts. Then life continued and I pushed debts to a dark corner somewhere....

 

Following recent investigations and discussions with MCOL, "...There was an incomplete claim dated May 2007 but this was not imported from the legacy system. Therefore there is nothing in this account that can be imported into the new MCOL system..."

 

The current account closed and ownership has recently been transferred to MK Rapid Recoveries (?MKDP LLP / ?Compello). The outstanding balance for this current account is £1237 and the CRA entry shows this as having defaulted on 06/10/08. I have made no contact with the bank since the incomplete attempt at reclaiming, or MK Rapid Recoveries, as I still believe that this debt is largely due to the banks unfair treatment, and therefore contest this debt, and partly out of pigheadedness. I have recently started receiving recovery letters from MK but have stupidly ignored them. Today I have received a final demand and an accompanying threat to pass my account onto Raven Recoveries should I not make contact. Can anyone offer any advice on this? How does my failed effort at reclaiming these debts affect my way forward? Is the financial Ombudsmanlink3.gif route still a possibility?

 

Thanks to all who have taken the time to read this.

 

DD

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I'm thinking the first step is to send MK RR a letter advising that I dispute this debt and requesting that they refer back to HSBC. I think I can remember reading somewhere that a debt can not be enforced if it is disputed?? and I'm sure there's a template letter somewhere on here I can use.

 

I'm thinking I should probably contact HSBC (!!?) to inform then of this and to make it clear that this debt is disputed as it evolved largely due to their unfair charges? I can remember one particular meeting with a financial advisory (lol) at a Derby branch who, on asking along the lines of how to get out of the rut and manage the debts, advised to "have more money!!" I s escalating this to the FOS an option, although I have read the forum on here (http://www.consumeractiongroup.co.uk/forum/showthread.php?234186-Financial-ombudsman-comes-under-fire-as-insider-reveals-litany-of-bad-practices) suggesting that they may not offer as much help as we'd like?

 

Kinda funny that in typing this my phone autocorrected 'FOS' to 'GOD'!! :-D

 

Can anyone offer any advice on any of this? Am I heading in the right lines? Any suggestions on what to write?

 

DD

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  • 2 weeks later...

I'd suggest in the 1st instance to get a copy of your Credit File (Equifax/Experian) and work from that.

 

If you moved home and still had a valid (operational) account did you advise them of your new address?

 

This is one of those times it might be prudent to get the credit file and contact no one else untill you can see the full facts.

 

I, for one know that feeling about mounting 'overdraft' fees from that time

and still think even now it's excessive for the fact they are simply automated systems that 'clock in'.

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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  • 1 year later...

So, I have received a claim form.

 

Claimant is MKDP LLP, to whom HSBC Bank plc sold my account on 8th December 2011 (advised of in a letter from HSBC dated 5th March 2012). The same letter advised that MKDP LLP had appointed MK Rapid Recoveries as their servicing agents to manage my account on their behalf. Dated the same, I received a letter from MKDP confirming that HSBC had assigned all its respective rights, title and interest regarding my previous current account to them.

 

Date of issue of claim form is 10th March 2014.

 

If my calculations are correct, that gives me until 29th March to acknowlege and then, assuming it is appropriate, I will need to have submitted my defence by 12th April?

 

The Particulars of Claim state:

The Claimant claims the sum of 1237 being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 08/12/2011.

The Defendant(s)'s account number was XXXX/XXXX. It was a term of the bank account that any debit balance would be repayable in full on demand.

The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank Plc.

The Claimant claims the sum of 1237 and costs

The Claimant has compiled, as far as is necessary, with the Pre-Action Conduct Practice Direction.

 

The value of the claim is 1302 (after the court fee has been added).

 

The current account was opened before 2007, as a student bank account, probably in '97.

 

Prior to selling my debt to MKDP I had letters from HSBC, Metropolitan Collection Services, DG Solicitors, Central Debt Recovery, DLC and Newman & Co. Since MKDP took ownership letters have been received from MKDP, MK Rapid Recoveries, Raven Recoveries and Keynes Collections. The letters range from Urgent Communication, Urgent Notice, Final Demand, Final Discount Offer, Notice of Debt Recovery, Notice of Further Action, Settlement Offer, Final Notice, Final Demand, and (Feb '14) a Notice of Intended Legal Action (Keynes). For the reasons mentioned previously on this thread I ignored them all and have made no contact neutral.gif

 

I didn't receive an (?) official Notice of Assignment but am in receipt of a letter dated March 2012 advising that my account had been sold to MKDP.

 

I cannot find the Default Notice from HSBC but it is listed as 06/08/10 with the CRAs. Nor can I find any letters headed “Notice of Default sums”. I cerainly haven't received any in recent years.

 

As detailed previously I dispute this debt which is secondary to bank charges and the snowballing effect they had on my finances. I unsuccessfully made a claim for refund of bank charges. I was incorrect in my details regarding the hearing for the removal of the stay, although I'm not sure of any relevancy now. My (new at that time) employer wrote to the court and requested that the hearing be postponed or rearranged as it would detrimental to my training to have any time off around that time. On the General Form of Judgement or Order received this was refused and my application to have the stay removed was dismissed. I did move house not long after starting this new employment and therefore missed any further communication from the courts.

 

I freely admit that, due to family life and work concerns, I have allowed my financial concerns to go unaddressed. My partner and I got back together and have since gone on to have a second child (who is now 4 years old!!!) Although I am now in a better financial position, debts are still present from my past and are being kept 'at bay' by my continuing token payments from years ago.

 

What are my options? I still feel strongly that I was treated unfairly regarding the bank charges affair but this is probably an entirely different matter now? Could this form any part of a suitable defence?

 

I have not yet acknowledged the claim form but am unsure how to proceed after that. By acknowledging the claim, rather than any other action, am I correct in thinking this demonstrates my disagreement and intention to defend?

 

Thanks everyone.

 

DD

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Personally I doubt whilst HSBC have written over the rights

MKDP don't have 'all' your details from them.

 

I'm guessing you had numerous letters from DC Solicitors (in house HSBC people)?

 

It's simply their procedure.

 

Now you are going to start receiving calls from MKDP, believe me you will receive many!

 

With someone like HSBC they have a simple procedure.

 

Each month unpaid (whatever) registers 1 point.

 

So if you said paid half of the monthly payment it would be 0.5 point against you.

 

After a full 6 points it'll generate a 'default notice' which needs to be checked carefully to say the least.

 

DC solicitors follow and of course your current predicament now it's got to MKDP.

 

That's the background so there are many people on here who can guide you further.

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Subbing with interest. My hubby is in a very similar situation.

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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Hi Dave...

 

If you could take time to read and complete the following with the information requested...this will assist greatly in advice being offered.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.

 

Regards

 

Andy

We could do with some help from you.

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three historic threads relating to this HSBC account merged for history.

 

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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Hi Dave...

 

If you could take time to read and complete the following with the information requested...this will assist greatly in advice being offered.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.

 

Regards

 

Andy

 

Thanks Andy. I had that page open alongside whilst I wrote my post but I apologise if I missed any details......

 

Name of the Claimant? MKDP LLP

 

Date of issue – 10th March 2014

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total). I calculate that gives me until 29th March to acknowledge and my defense by 12th April?

 

What is the claim for / their particulars of claim (verbatim)

The Claimant claims the sum of 1237 being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 08/12/2011.The Defendant(s)'s account number was XXXX/XXXX. It was a term of the bank account that any debit balance would be repayable in full on demand.The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank Plc.The Claimant claims the sum of 1237 and costs. The Claimant has compiled, as far as is necessary, with the Pre-Action Conduct Practice Direction.

 

What is the value of the claim? - the value of the claim is 1302 (after the court fee has been added).

 

Is the claim for a current or credit/loan account or mobile phone account? Current account

 

When did you enter into the original agreement before or after 2007? Before 2007

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account was (?) assigned to MKDP LLP in Dec 2011 and it is they who have issued the claim.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I didn't receive an (?) official Notice of Assignment but am in receipt of a letter dated March 2012 advising that my account had been sold to MKDP.

 

Did you receive a Default Notice from the original creditor? I cannot find the Default Notice from HSBC but it is listed as 06/08/10 with the CRAs.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? I do not remember receiving any of these

 

Why did you cease payments:- I disputed the debt with the original creditor, following an unsuccessful attempt to reclaim unfair bank charges

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I spoke on a couple of ocassions to advisors, in branch. My last conversation ended with my being advised to "have more money" in my account as a way to avoid such charges. I believe this was following yet another 'unfair' charge. I did not speak to them again except during proceedings for reclaiming charges. I made no attempt to enter a debt management plan.

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As this is a current account you need to send this version of the CPR 31.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387483-LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account

 

You have 33 days if defending to deal with the claim...19 to Acknowledge service from the date on the claim and another 14 days to submit your defence (33 days)

 

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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Hi,

 

I have completed the acknowledgement of service form, albeit via MCOL,

confirming that I intend to defend all of this claim.

 

The claim refers to an unpaid overdraft with the current account.

 

Using the CPR31.14 template relating to a current account (thanks!)

I have drafted a version although I am a little confused over what is meant by some of the wording and hope to have it clarified before sending.

 

I do not believe that will be counterclaiming against MKDP LLP, will I???,

so have comfirmed only my intention to contest their claim.

 

Do requests 1, 2 and 3 apply to all current accounts as standard?

 

As can be seen in the particulars of claim above I can see only mention of the CCA 1974, 'terms of the bank account'

and a statutory default notice that was served.

 

The claimant is MKDP LLP, as opposed to HSBC (the original creditor), so request 4 is appropriate.

 

Regarding request 1 (the agreement/overdraft facility confirmation and Terms and Conditions from that date)

- although there is no specific 'agreement' mentioned in the particulars

 

am I correct in thinking it is implied as it relates to a current account

(which will therefore have had an agreement and associated Ts&Cs!!)?

 

There is also no mention of an overdraft,

although the account did have overdraft facility (so there should have been an overdraft facility confirmation?).

 

Can I therefore continue with request 1 in its templated form?

 

Regarding request 2, the demand/termination notice, as they have made no mention of this is this implied under the CCA1974?

 

There is no specific mention of notice of sums in arrears although there is reference to "debit balance". Is request 3 a standard requirement and therefore applicable?

 

Considering the above shouldn't the wording within the template say

"...production of a verified and legible copy of each of the following document(s) mentioned, or implied, in your Particulars of Claim:....."

 

I don't mean to appear pedantic, or cause any offense,

I just want to ensure that I am doing this correctly and have no legal knowledge whatsoever.

 

All the information available surrounding this request states that it should be sent to the solicitor named on the claim form.

 

On my claim form, there is no solicitor mentioned but rather the claimant themself ('Claimant's Solicitor' is crossed out with XXXXX),

 

who I'll abbreviate as SL.

 

Should I therefore send my request to SL at MKDP LLP (by registered post)?

 

I am also going to send a CCA1974 request to the claimant (again by registered post smile.gif)?

- again this is to MKDP LLP?

 

But not addressed to anyone in particular?

 

Despite both the CPR31.14 and CCA1974 requests going to MKDP LLP is it advised that these are still sent separately?

 

Thanks in advance,

 

DD

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Hi,

 

I have completed the acknowledgement of service form, albeit via MCOL, confirming that I intend to defend all of this claim. The claim refers to an unpaid overdraft with the current account.

 

Using the CPR31.14 template relating to a current account (thanks!) I have drafted a version although I am a little confused over what is meant by some of the wording and hope to have it clarified before sending. I do not believe that will be counterclaiming against MKDP LLP, will I???, No so have comfirmed only my intention to contest their claim.

 

Do requests 1, 2 and 3 apply to all current accounts as standard? Yes As can be seen in the particulars of claim above I can see only mention of the CCA 1974, 'terms of the bank account' and a statutory default notice that was served. The claimant is MKDP LLP, as opposed to HSBC (the original creditor), so request 4 is appropriate.

 

Regarding request 1 (the agreement/overdraft facility confirmation and Terms and Conditions from that date) - although there is no specific 'agreement' mentioned in the particulars am I correct in thinking it is implied as it relates to a current account (which will therefore have had an agreement and associated Ts&Cs!!)? Yes There is also no mention of an overdraft, although the account did have overdraft facility (so there should have been an overdraft facility confirmation?). Well they cant obviously claim for a current account so its accepted its the overdraft they are referring to Can I therefore continue with request 1 in its templated form? Yes

 

Regarding request 2, the demand/termination notice, as they have made no mention of this is this implied under the CCA1974? Cant enforce the agreement without serving one

 

There is no specific mention of notice of sums in arrears although there is reference to "debit balance". Is request 3 a standard requirement and therefore applicable?

 

Considering the above shouldn't the wording within the template say "...production of a verified and legible copy of each of the following document(s) mentioned, or implied, in your Particulars of Claim:....." I don't mean to appear pedantic, or cause any offense, I just want to ensure that I am doing this correctly and have no legal knowledge whatsoever.Most particulars dont even imply never mind refer so its irrelevant...the whole request is really to put them on notice that you know a little and what is to come should they wish to proceed...CPR requests are invariably ever responded to anyway but that does not matter its the requesting and they not complying is what we are trying to achieve.

 

All the information available surrounding this request states that it should be sent to the solicitor named on the claim form. On my claim form, there is no solicitor mentioned but rather the claimant themself ('Claimant's Solicitor' is crossed out with XXXXX), who I'll abbreviate as SL. Should I therefore send my request to SL at MKDP LLP (by registered post)?Yes

 

I am also going to send a CCA1974 request to the claimant (again by registered post smile.gif)? - again this is to MKDP LLP? No CCA section 77/78 request is not applicable to overdrafts But not addressed to anyone in particular? Despite both the CPR31.14 and CCA1974 requests going to MKDP LLP is it advised that these are still sent separately? Not applicable as you only sending a CPR 31.14.

 

Thanks in advance,

 

DD

 

Regards

 

Andy

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Well, this is not helpful Royal Mail......

 

Item XXXXXXXXXXXXX was posted at XXXXXXXXXX on 31/03/14 and is being progressed through our network for delivery.

 

1st class as well! :x

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