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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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HPH2/Cohen claimform - old Abbey OD from 1992


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Usual suspects Howard Cohen/Robinson Way

 

I have received a letter sub titled as above. Is this the same as Letter before action.

 

The 10 days, are they working days or 10 straight days?

 

Do I send a CPR now, or do I wait until actual court action has started?

 

This is to do with a bank overdraft some time ago. so as I understand that a CCA is not correct. Do I send a SAR letter instead.

 

I believe this is statute barred, but at this stage I do not want to send that letter (there's a good reason for that).

 

Please could someone just confirm the above points, anything else I should be aware of and any complications that overdrafts produce.

 

I do need to act on this fairly quickly, as I don't want to sit on it and waste any preparation time I may need.

 

Thanks

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bet it doesn't say will anywhere

 

 

if its SB'd [when did they cal it in?]

 

 

then you save that for when they file a claim

 

 

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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I don't need it you might.

 

theres nowt wrong with posting things here

 

the days of worrying about spies are well over.

 

instructed is the key word here

 

means exactly the same as might,could,poss, maybe

 

its a threat-o-gram.

 

what does your credit file say?

 

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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Is this a former Santander O/D now sold to Hoist? Lots of these coming out of the woodwork with Robbers Way chasing

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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There's good reason for not posting it here, spies or not.

 

 

What. the credit file says, does represent the timings, by several years. It's a bit like a DCA buying it today and started reporting it on file.

 

 

Yes, it was sold recently and it is Hoist/Robinson (same people now?).

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the defaulted date cannot be changed

 

 

there no need to hide details

 

 

we've never ever seen any evidence of any person being 'compromised'

by hiding.

 

 

up to you

either you want help or not

 

 

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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the defaulted date cannot be changed

 

 

there no need to hide details

 

 

we've never ever seen any evidence of any person being 'compromised'

by hiding.

 

 

up to you

either you want help or not

 

 

dx

 

 

Yes, I would like help. Perhaps you would be kind enough to answer my original questions, please.

 

 

You're right, the default date cannot be changed, but for the moment, I wish to concentrate on the other items and come back to that, if I need to. There is a good reason for it, I've said, if you need to know it, I will PM you, if you don't (as you have said) can we cover the other items.

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its a threat-o-gram

not an LBA

 

 

there is little you can do to prevent anything happening mind

 

 

but if you've got no statements then an sar to the OC will not hurt.

 

 

anytime lines that you think you need to comply too are purely a threat to elicit a response.

 

 

IMHO you are concentrating on the wrong things

 

 

hiding details prevents us from advising properly

 

 

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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I have received a letter sub titled as above. Is this the same as Letter before action.

 

 

No, it's a template threatogram.

 

The 10 days, are they working days or 10 straight days?

 

It's an arbitrary time limit in a templated letter sent by a DCA, so who knows, and who cares....

 

 

Do I send a CPR now, or do I wait until actual court action has started?

 

Wait until you have received a sealed court claim.

 

 

This is to do with a bank overdraft some time ago. so as I understand that a CCA is not correct. Do I send a SAR letter instead.

 

 

 

A SAR would do no harm, as it will let you discover if there are any penalty charges, but it goes to the original creditor, not the DCA.

 

 

I believe this is statute barred, but at this stage I do not want to send that letter (there's a good reason for that).

 

Please could someone just confirm the above points, anything else I should be aware of and any complications that overdrafts produce.

 

 

 

 

 

If it's statute barred then that will stop the matter in its tracks. If you are certain it's SB I cannot imagine any reason for not disposing of the matter at once by telling them, but that is a matter for you, and if you choose not to tell us the full story (which is, of course, also a matter for you), then any advice we give is hindered by not having all the facts.

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  • 1 month later...

Well, I decided not to make contact and see if they actually followed up. And they did, they must have a sixth sense,

because I had to go away for about a week, and the court form must have arrived the day I left.

 

I acknowledged service with intention to defend.

I put a CPR request in, but it was a bit late and as the defence has to be in by 4:00pm tomorrow I'm going to have to go without it.

I having been looking at the replies given on various similar type threads

and will use those as my template, with changes for my specific circumstances.

 

I would just be interested to hear, anything that is recommended, so that I haven't left out anything.

The difference with mine against most examples, is mine is not a loan, but an overdraft.

 

 

It happened in 2009, I can't remember the exact date, and there is a good chance that they have just got in before the SB date.

I've never acknowledged anything whatsoever, not responded to any communication in any way, other than the recent AOS and CPR request.

 

 

The account was opened around 1991/92 and the overdraft set up about 1993 and a requested increase about 1994,

it was in operation since then, but no adjustments to it, all of this was with Abbey, before it became Santander.

 

The court form says:

 

This claim is for the sum of xxxx in respect of monies owing pursuant to an overdraft facility under account number xxxxxx xxxxxxx

 

The debt was legally assigned by Santander UK PLC to the claimant and notice has been served.

The defendant has failed to pay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims:

 

1. The sum of xxxx

2. Interest

3. Daily interest

4. Costs

 

(3. has more but is just standard wording)

 

Any pointers appreciated. Please note, that if you are reading this after Weds PM 22/04/2015 defence will already have been submitted.

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Sadly where you have not followed advice and left it to the last minute there is a possibility that the site team with experience in this field may not see this in time.

 

I have flagged it to the site team.

 

If you want help from here on in, you are going to have to be more forthcoming with information and more timely with your postings.

Missing deadlines and rushing things last minute are going to work against you.

If you had the SAR completed as advised you may of had the info to compose a SB defence if it was indeed SB.

 

Please goto this post and put the answers to the questions back in this thread

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

THEN

 

Please draft your defence here (without personal details)

 

Regards

 

SS

Edited by SabreSheep
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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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What is the date of issue of the claim - top right hand corner of the claim form.

 

For a statute barred defence you would need to have not paid any money toward the debt nor acknowledged liability for 6 years, plus at least 2 months extra.

 

Is the overdraft made up of charges and how much is the claim for ? This will determine what track you are allocated and will let us know if you are going to leave yourself wide open for a lot of legal costs.

 

Unless you provide the information that has been requested, I do not think we will be able to help.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I think most of this has been posted in some format or other earlier in the post. But here it is in full in one place.

Name of the Claimant ? Hoist PH 2

Date of issue – 20th March

The time line is tomorrow at 4:00pm, confirmed by a call to the courts. Defence will be entered onto MCOL today and sent tomorrow.

 

What is the claim for – the reason they have issued the claim?

 

 

This claim is for the sum of xxxx in respect of monies owing pursuant to an overdraft facility under account number xxxxxx xxxxxxx

 

The debt was legally assigned by Santander UK PLC to the claimant and notice has been served.

The defendant has failed to pay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims:

 

1. The sum of xxxx

2. Interest

3. Daily interest

4. Costs

 

(3. has more but is just standard wording)

What is the value of the claim? Just over £5K

Is the claim for a current account (Overdraft) - Yes

When did you enter into the original agreement before or after 2007? About 15 years before.

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. Assigned to Hoist

Were you aware the account had been assigned – did you receive a Notice of Assignment?

Not that I'm aware of, but I wouldn't argue that I didn't as it was some time ago now,

these weren't the original debt purchasers, it must have been resold on.

 

Did you receive a Default Notice from the original creditor?

I don't believe I did, as it was a current account, not a loan agreement.

I still had a mortgage with Santander up until last month,

just had my letter thanking me for paying the mortgage off (lump sum) - quite surreal.

 

Have you been receiving statutory notices headed “Notice of Default sums” No, but as I said, at some stage the debt has changed hands.

Why did you cease payments? Santander pulled my overdraft without notice. They did this with a whole swathe of current account holders back in 2009. I thing it was Santander having clean sweep from Abbey days. The account had previously been run in good standing.

What was the date of your last payment? Sometime in 2009, but I'm not sure when.

Was there a dispute with the original creditor that remains unresolved? Not really.

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? No.

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What is the date of issue of the claim - top right hand corner of the claim form.

 

For a statute barred defence you would need to have not paid any money toward the debt nor acknowledged liability for 6 years, plus at least 2 months extra.

 

Is the overdraft made up of charges and how much is the claim for ? This will determine what track you are allocated and will let us know if you are going to leave yourself wide open for a lot of legal costs.

 

Unless you provide the information that has been requested, I do not think we will be able to help.

 

Claim form details in other post.

 

I think they are just in time to beat SB, hence the reason I decided not to respond to their threatogram, I was hoping it might drag on until the end of the year and I know I would then be in the clear. I would treat this as not SB.

 

The claim is just over £5K which as best I can recall, is about £2K overdraft, with the rest interest and charges.

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Issue date : - 20 March 2015 + 5 days for service = 24 March 2015 + 14 days to acknowledge = 07 April 2015 + 14 days to submit defence = 21 April 2015

 

Is there an extra allowed for one of the Bank holiday days ?

 

Thank you for the information, an alert has been left for andyorch.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes 4pm tomorrow by my fingers because of the B/H easter.

 

 

why not ring satans bank and see if they will tell you the when they called the debt in

 

 

wont hurt you.

 

 

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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yes 4pm tomorrow by my fingers because of the B/H easter.

 

 

why not ring satans bank and see if they will tell you the when they called the debt in

 

 

wont hurt you.

 

 

dx

 

I called MCOL yesterday to confirm, the exact date and time. I've just rung them this minute and reconfirmed, it is tomorrow.

 

With regards to phoning Santander, how would it help. If you mean regarding SB, is it not from when you stopped paying plus a couple of months, not from when they put it to default?

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its from when they called in the OD.

 

 

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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its from when they called in the OD.

 

 

dx

 

Bugger, just did some digging, it was May 2009 they called it in, early May if I'm right, could of even been the very end of April. I was close, but no cigar.

 

Hence my perceived evasiveness at the start of the thread about going for SB. I really wanted this to roll on for a few months, without acknowledging the debt by communicating with them. Some you win, some you lose.

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Heres a more detailed version of an overdraft defence...obviously you would have to edit to suit your particulars....

.

 

1. It is admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim ('the Agreement') with the original creditor Lloydsicon TSB Bank.

.

2. The defendant denies that the account exceeded the agreed overdraft limit due to overdrawing of funds but is as a result of unfair and extortionate bank charges/penalties being applied to the account.

.

3. I refute the claimants claim is owed or payable. The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeyicon National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.

.

4. 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 crediticon Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.

.

5. The claimant is denied from added section 69 interesticon within the total claimed that as yet to be decided at the courts discretion.

.

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

.

The claimant is also put to strict proof to:-.

.

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, that this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

.

7. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated 4 March 2014 namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request.

.

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.

.

Regards

and nicked from a recent Andyorch post

IT WILL NEED ADAPTING to your POC

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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Share on other sites

Why have you left this so late?

 

Oh c'mon how many people have you dealt with/helped here? Do you not see a repetitive theme?

 

A leopard can't change his spots. By the mere fact that people arrive here in the mess they do, is reflective of a general behavioural pattern. We are what we are.

 

The above is not sarcastic by the way, it is a response to your question. For what it's worth (not a lot) you and the others have my sympathies. I've been a member here for about 10 years (under various sign ons, because I forget passwords and change email addresses), I watched you people give good advice to people, only for it to be ignored. I can feel the immense frustration as you bang your head against that wall by your desk, which by now has a deep dent in it.

 

And very few people ever seem to come back and let you know the outcome, so that you don't know if your advice was successful or not.

 

I shall come back to tell the outcome, good or bad.

 

I have to go out now, I'll be back later. In the mean time, if as per my original request, if there is any pointers about things I must mention in my defence, that would be helpful to check. I don't see the point of posting a defence, only to be told there are many things I should have added. I would want to submit one copy, that is right from the start, rather than have to make changes,

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post 22

 

 

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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Well, having looked at all the post applicable and studied the replies, this seems suitable for my case.

 

I have checked the paragraph numbers match up and of course that the right bank and the fact that it is an overdraft has been checked.

-------------------------------------------------

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. It is admitted with regards to the Defendant having had banking facilities with the original creditor Santander Bank.

 

2.Paragraph 2 is denied.I am not aware or ever received any Notice of Assignment pursuant to the Law and Property Act 1925. 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 creditlink3.gif Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.

 

3 Paragraph 3 is denied. I refute the claimants claim is owed or payable. The amount claimed consists in the main of default penalties/charges levied on the account for alleged late, rejected or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeylink3.gif National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.

 

4. As per Civil Procedurelink3.gif Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

The claimant is also put to strict proof to:-.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, that this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

5. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated April 2015 namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has not yet complied with this request.

 

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

---------------------------------------------------------------------

 

 

The links icons and formatting etc, that the forum adds will of course be removed.

 

One thing I would like advice on, is that mentioned in post #13. Which track this would be allocated to. Anyway to complain if it goes to Fast Track (that's the expensive one for complicated matters?) or challenge this?

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