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    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
    • 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.
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County Court Claim Received - MKDP / HSBC


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Hi there.

 

I have a court summons pending with MKDP. I have read through lots of threads on this site, which have been a great help and enabled me to get some way down the line.

 

I would just like to consolidate where I’m currently at, as this part becomes somewhat vague in the existing threads.

 

I would be very grateful for any advice on my next steps.

 

Debt details:

HSBC Bank: Loan

Started: 2004

Defaulted: 2007

Random debit card payments made here and there up until 2012, so the debt is not statute barred, but no longer on my credit file. I can’t remember anything about the loan - PPI, other penalty charges - even the original amount!

 

County Court Claim:

Issue Date: 01 May 2014

+5 for Service: 05 May (actually received on 09 May)

+14 to Acknowledge: 20 May

+14 Extra: 02 June

Amount Claimed: £2,005.00

Court Fee: £105.00

 

I have decided to defend, as I moved in 2010 and have only just been tracked down at my new address, so did not receive a NOA. I also have no idea how the claimed amount has be calculated.

 

I should have received a response from MKDP before today (unless the +5 service is also applicable to them?), but I haven’t, as of yet. I’m becoming conscious of the increasingly tight time frame.

 

More details below.

 

Other Info:

Claim Form received: 09 May (evening - slow postal service)

Sent response (as per below): 12 May (both 1st Class recorded delivery and £1 postal order receipts filed)

Signed by MKDP: 13 May

Acknowledgment of Service: 19 May (online)

Response: None (as of yet)

 

Particulars of Claim:

The Claimant claims the sum of £2,110 being monies due from the Defendant(s) to HSBC Bank plc under loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on 13/03/2013. Notice of assignment has been provided to the Defendant(s). The Defendant(s)’s loan account number was [emitted]. The Defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been served pursuant to the Consumer Credit Act 1974 by HSBC Bank plc. The Claimant claims the sum of £2,110 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction.

 

Response to MKDP:

MKDP LLP

Fleming House

Seebeck Place

Knowlhill

Milton Keynes

Buckinghamshire

MK5 8FR

 

12th May 2014

 

Dear Sir/Madam

 

Re:- County Court Claim No. [Emitted]

 

With reference to the above County Court claim, I require you to supply the following documentation before I will correspond with you further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974.

 

2. A full statement of account.

 

3. A signed true copy of the deed of assignment of the above agreement that you allege exists.

 

4. A copy of any other documents referred to in the agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned.

 

I understand a copy of the credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

Yours faithfully

 

[Emitted]

 

Thank you for taking the time to read the above. If I’ve missed anything, please let me know. Any advice on how to proceed would be gratefully received.

Edited by Andyorch
Dates adjusted
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Hi,

 

 

You are Not entitled to sight of the Deed of Assignment, this is the contract between the debt seller and the debt purchaser and is considered a " sensitive commercial document", a court may order one to be produced, this would be heavily redacted though.

 

 

I presume you have had a letter (Notice of Assignment ) from MKDP and or HSBC at some time prior to the CC claim being issued, this is all that is needed.

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You will need to submit your defence by 2nd June

 

I do not think the letter you sent to MKDP will be seen as a proper CPR request. I suspect they will also stall by saying that whilst you have included the £1.00 statutory fee, you havent identified the request as a proper CCA request either :(

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

 

You can request only copies of documents they have mentioned within their POC.. which are

 

Notice of Assignment

Agreement

Default Notice

and of course a statement of account

 

With the CPR request, you do not need to enclose any fee.

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Thanks for your replies.

 

That was a template I found on here... albeit the wrong one. *Hindsight*

 

I'm now seriously panicking, as time is running out - fast.

 

I don't know what to do now. Is it still worth sending that linked letter template to MKDP, bearing in mind I need submit my defence by 02 June?

 

Gutted that I used the wrong template :(

 

Thanks again.

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Thanks for your replies.

 

That was a template I found on here... albeit the wrong one. *Hindsight*

 

I'm now seriously panicking, as time is running out - fast.

 

I don't know what to do now. Is it still worth sending that linked letter template to MKDP, bearing in mind I need submit my defence by 02 June?

 

Gutted that I used the wrong template :(

 

Thanks again.

 

 

 

 

 

Follow the link posted by citizen B in #post3. Send it asap.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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OK, will do.

 

As long as MKDP has signed for the CPR letter before the 02 June, are they obliged to contact the court and extend the time to get the relevant documents over to me? If not, what will happen? Auto Judgment against me?

 

Really appreciate your help.

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Hi there.

 

Just an update and further advice request.

 

After the advice given to me in this thread, I sent MKDP a further request in the form of a CPR31.14 via recorded delivery on 27 May. Unfortunately, it was not signed for on 28 May and is still showing as "… being progressed through our network for delivery.". Absolutely infuriating.

 

Based on this, I have had to XX the received date below. I will obviously update this on 02 June, when I submit the below defence via MoneyClaim.

 

Please have a read through and let me know your thoughts.

 

More importantly, due to 02 June being the day I need to submit my defence and (let's assume) MKDP sign for the CPR31.14 today (29 May - so no real chance of them actioning anything), what will be the likely outcome? Will this default? Will the court penalise me for "only" asking for the POC in plain English, rather than a CPR31.14?

 

Your help and advice is very much appreciated.

 

The Defendant neither deny nor admit to any indebtedness to the claimant.

 

The Defendant sent the claimant a formal CCA request for the original signed agreement, the assignment, and a statement of account relied upon in the Particulars of the Claim.

 

The Claimant received the above request on the 13/05/14 by recorded delivery.

 

After professional advice the Defendant sent the Claimant a CPR31.14 request for the original signed agreement, the assignment, default notice, and a statement of account relied upon in the Particulars of the Claim.

 

**Claimant received the above request on the XX/05/14 by recorded delivery.

 

As of the 02/06/14 the Claimant has not contacted the Defendant or supplied the requested documents. The Claimant has given no good reason or any reason at all to the Defendant for this failure to comply with the defendant's legal rights of entitlement to inspect the documents that the Claimant's claim is to rely on.

 

The Defendant has not been provided with copies of the documents mentioned in the Particulars of Claim, which were requested in both the CCA and the CPR31.14, including the Notice of Assignment, which would prove the Claimant's right to bring this action.

 

The conduct of the claimant is denying the Defendant the right to submit a full defence and as the action stands at the present time, the Defendant is somewhat confused and unsure as to exactly what the claimant's claim is for, the Defendant is unable to file a full defence as a direct result of the claimants negative Pre -Action Conduct.

 

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 seven (7) 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 further 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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Hi Re the CPR request did you use an address with a PO Box number? Often signed for letters don't get through the system.

 

 

I think you have got it right signed for post again see above.

Try This address.

 

 

The Legal and Compliance Department

Compello Group

Fleming House

Seebeck Place

Milton Keynes

MK5 8FR

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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DEFENCE looks right.

Try address posted, signed for letters get through from experience.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK, I will post another recorded letter to that address also.

 

In terms of timeline, is the court likely to grant the extra time requested in my defence? I have not contacted the court and asked for an extension, outside of the AOS's 28 days.

 

Thank you.

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OK, I will post another recorded letter to that address also.

 

In terms of timeline, is the court likely to grant the extra time requested in my defence? I have not contacted the court and asked for an extension, outside of the AOS's 28 days.

 

Thank you.

 

 

A judge will decide if to allow an extension or not, so make the application.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Hi Guffed

 

I would recommend you read a few threads and grasp the process of how to defend a claim before submitting the above or making any applications.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy.

 

I have read a fair few threads now, which is how I got as far as I have. To be honest, I have no real idea what I'm reading, or the language behind any of it.

 

MKDP are asking for X-amount, I don't know how they've come to that figure, so I've asked for a statement of account, among other POC documents. That's all I can do at this stage.

 

If you have spotted anything you see as potentially causing me a problem, please share.

 

Many thanks.

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Judging by your proposed defence the wrong ones......

 

Search MKDP in the search box above right.

 

 

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

If you want advice on your Topic please PM me a link to your thread

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Type MKDP into the search box above right and hit search (under the CAG logo)

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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Good morning CAG.

 

I have plagiarised a defence that you have worked on, Andy, so I hope it's suitable for my claim.

 

Just a couple of questions:

 

1. The reason I did not receive a NOA is because I had moved in 2011 - well before the debt was assigned. Shall I state this in my defence, or let MKDP potentially present a NOA that was sent to my previous address?

 

2. How to respond in Para 5? Or just delete?

 

3. Is "(b) show how the Defendant has reached the amount claimed for" the correct wording?

 

4. I have not requested additional extra time, as I have not seen this in other defences. Was I right to omit that?

 

As always, any help and advice is appreciated.

 

Many thanks.

 

 

And here's my Defence:

 

Particulars of Claim:

 

1. The Claimant claims the sum of £2,110.00 being monies due from the Defendant to the Claimant under a loan agreement originally between the Defendant and HSBC Bank plc.

 

2. The Defendant's loan account number was [Emitted] and was assigned to the Claimant on 13/03/2013. A Notice of Assignment has been provided to the Defendant.

 

3. The Defendant has failed to make payments in accordance with the terms of the loan agreement and a Default Notice has been served pursuant to the Consumer Credit Act 1974 by HSBC Bank plc.

 

4. The Claimant claims the sum of £2,110.00 and costs.

 

5. And the Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction.

 

Defence:

 

Paragraph 1 is noted as the Defendant has, in the past, had financial dealings with HSBC Bank plc, but deny any monies being due as alleged by the Claimant MKDP LLP.

 

Paragraph 2 is denied as the Defendant is unaware of any legal assignment between HSBC Bank plc and MKDP LLP and the Claimant is put to strict proof thereof.

 

Paragraph 3 is denied as the Claimant has not provided proof, as requested by the Defendant.

 

Paragraph 4 is denied as the Claimant has not provided proof, as requested by the Defendant.

 

Paragraph 5 is denied the claimant has made no contact or complied with any requests for information.

 

Therefore this claim is neither admitted nor denied with regards to the Defendant entering into an agreement referred to in the Particulars of Claim. The Claimant is put to strict proof as to the existence, execution and terms of any alleged agreement.

 

The Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant, and

(b) show how the Claimant has reached the amount claimed for, and

(d) show that the Defendant was served a Default Notice, and

(d) show how the Claimant has the legal right, either under statute or equity, to issue a claim

 

On receipt of this claim, I sent a CCA 1974, Section 78 request to the Claimant, dated 09/05/2014. This was sent via recorded delivery and signed for on 13/05/2014. The Claimant has yet to comply.

 

Furthermore, I requested copies of the documents referred to in the Claimant’s Particulars of Claim by way of a Civil Procedure Request 31, PD 14, dated 26/05/2014. This was also sent via recorded delivery and signed for on 29/05/2014. The Claimant has yet to respond.

 

On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. I have no recollection of receiving a Notice of Assignment.

 

Until such time the Claimant can comply with my request for a copy of the loan agreement and other documents relied upon in the Claimant’s Particulars of Claim, including a full statement of account, the Claimant is prevented from enforcing or requesting any relief as pursuant to the Consumer Credit Act 1974.

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Edited by Andyorch
error corrected & addition point 5.
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Amended above for you Guffed.

 

Regards

 

Andy

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  • 1 month later...

Hi CAG.

 

So a few things have happened since my last post.

 

The court acknowledged receipt of my defence via a letter dated 3rd June 2014 and served a copy to the claimant - giving them 28 days in which to contact the court. After that period has elapsed, the claim will be stayed.

 

I received a letter from MKDP dated 18th June 2014, informing me they are unable to fulfill my CPR request, so will forward the requested information to me in up to 8 weeks. The letter also stated that due to the claim being less than £10,000, it's governed by CPR 27 and that Part 31 is not applicable! And lastly states "For the avoidance of doubt it is our contention that you are in a position whereby you can respond to the claim form to the extent that you can admit or deny both liability and quantum without sight of any documents.".

 

I received a letter dated 14th July 2014, with a Notice of Allocation to the Small Claims Track along with a blank Directions Questionnaire.

 

I also received a completed Directions Questionnaire dated 17th July 2014, from MKDP.

 

I'm not sure how to proceed now, so I have a few questions:

 

1. I still have not received anything as requested in my CPR. Does this mean they have the relevant information I requested and will supply it to the court?

 

2. How should I complete the Directions Questionnaire?

 

3. Given the dates above, have MKDP run out of time?

 

As always, thanks for your time.

Edited by Guffed
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You must also complete/file/serve (court & Claimant) the DQ by the date stated Guffed...agree to mediation the rest is quite simple.

 

The claimant has not run out of time the court directs them to disclose..which is later into the process.

 

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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