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    • dx, As requested:   Queries are made in red. Date of Statement: xx December 2019 Claim Number: XXXXXX Between: UK CAR Park Management Limited and XXXXXXX   1.    It is admitted that Defendant is the recorded keeper of XXXX XXX.   2.    It is denied that the Claimant entered into a contract with the Defendant. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the carpark is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. The proper Claimant is the landowner. How do I check who the landowner is?   3.    If there was a contract, it is denied that the parking charge is incorporated into the contract. As per Thornton v Shoe Lane Parking [1971] 2 QB 163, the relevant term must be made known before a contract was formed. Here, the charge was not incorporated into the contract because [explain] – I assumed this means no contract was agreed?   4.    The amount is a penalty, and the penalty rule is still engaged, so can be clearly distinguished from ParkingEye v Beavis which the Judges held was 'entirely different' from most ordinary economic contract disputes for the following reasons:-   a)    The Claimant has no commercial justification b)    The Claimant did not follow the BPA Code of Practice, allowing a MINIMUM grace period of 10 minutes. c)    The Claimant is not the landowner and suffers no loss whatsoever as a result of a vehicle parking at the location in question d)    The amount claimed is a charge and evidently disproportionate to any loss suffered by the Claimant and is therefore unconscionable. e)    The Court of Appeal for the Beavis case made a clear reference to the fact that their decision was NOT relevant to pay-per-hour type car parks.   5.    A parking ticket was purchased. However, after much difficulty. The Defendant made several attempts to initially pay for parking via telephone and the indicated telephone-based application, which were both declined by the claimant’s system of payment. The Defendant was attending a Drug and Alcohol (D&A) test based on the conditions of a new employer. The delay in obtaining a parking ticket caused significant delay. The Defendant was late to the appointment and was not permitted to leave the test until indicated by the examiner. Options made available to extend parking durations remotely did not function. Please refer to Attachment 1 – an email of complaint sent on the said day of apparent contravention (12th March 2018). My own wording. Is this ok?   6.    The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all.  
    • send the new company an sar specifically asking for all the data they received from Solarplicity dx
    • I will scan up some documents, if anyone could please check over them for me and let me know if my assumptions are correct.
    • The link given in my previous  post has been updated. (ensure to have a good read and check the links given)   READ MORE HERE: https://www.gov.uk/government/news/thomas-cook-information-for-customers-employees-creditors-and-shareholders
    • Hi   With sending a Subject Access Request (SAR) make sure and ask for 'ALL DATA' this covers everything no matter what format they hold that data in whether it be telephone recordings, emails, online etc.   Also make sure and specifically ask for the data they have removed from your online account
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mrpopperspenguins

PRA Group want more money (Old MBNA) whilst on ESA

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ok all good thanks.

 

that explains it - post apr 2007 then.

recon will do .

 

tell you what I would do next..

..send MBNA an SAR.

we need all the statements

as I bet theres something

like PENALTY £12 fees etc

or

PPI to be reclaimed here.

 

what is the other debt you mention too?


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Email again from PRA asking why I have not sent back the incomings and outgoings paperwork they sent me.

 

They say my account is on hold (I am still paying the £10 a month)

I have established they owe the debt,

 

I just want to know what powers they have,

as this is making my illness worse,

there really is NO more cash,

 

can they take me to court for less than £600 and will they

 

I do not know what else to do

 

 

ive upped my meds to cope with the stress.

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Email again from PRA asking why I have not sent back the incomings and outgoings paperwork they sent me.

 

They say my account is on hold (I am still paying the £10 a month) - keep doing that.

I have established they owe the debt,

 

I just want to know what powers they have, - no more than you or I

as this is making my illness worse,

there really is NO more cash,

 

can they take me to court for less than £600 and will they - yes they can, if they will - I don't have a crystal ball sadly

 

I do not know what else to do - stop getting wound up.

ive upped my meds to cope with the stress.

 

 

did you get that SAR running to MBNA?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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did you get that SAR running to MBNA?

 

No my printer is broke i have no one to help me print it out, not sure i could write all that.

i have been left to get on with my own MH probs, outside seeing doc as and when, so i am not in a place to know what to do.

i just want them to get the message i have no more money no matter what they ask for.

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they'll get that msg when you don't respond or even need too?

 

can you not use a penstick a a friends/group/library pc to print it

 

quicker you get all the statements

quicker I think we'll find they owe you more than you owe them!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I have been trying to log into my account to pay my £10 monthly amount,

although I can log in it will not let me view my account,

make a payment or use their email contact form to ask them what is going on,

I just keep getting access denied...

 

The only line which seems open to me is to phone them, which I will not do.

I wonder if they are pushing me to make contact or could their site have a problem.

 

Sometimes it says server error but this has been going on for days - every other part of the site works.

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do it by bacs and your interweb banking portal


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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do it by bacs and your interweb banking portal

 

Never thought of that - is it easy I know what bacs is if I go to my bank online will it tell me what to do.

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Never thought of that - is it easy I know what bacs is if I go to my bank online will it tell me what to do.

I don't have their bank details so cannot do that.

I will send a cheque to cover this payment - little late but at least I have paid.

 

If they have stopped my online payment, and the fact they keep pestering for more money I am going to look at harassment.

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pleae don't send a cheque

no need tooo..

 

 

you don't need their bank details

most banks intereweb site have drop down lists you select creditors from.

so pay bills section

credit cards

find MBNA

all you need is your [MBNA]card number

that's the reference number you use.

 

 

that's now I pay all my bills

don't have any DD's set up

or ring anyone or goto any other sites

and input my card details either.

 

 

that way

anything goes wrong

its MY banks at error and you can get it back ..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Spoke to my bank and I have set up a standing order for the £10 a month with this they cannot take more than the agreed amount without my authorization.

 

If they are trying to make me default or get in contact with them then at least I can say I have kept up my payments.

 

I have the emails I sent them asking why they have denied me access to my online account which they neve replied to (before they denied me access to their email account).

 

I know I might have done wrong in paying them but I have to keep life as simple as possible it;s the only way I can handle my illness.

 

See what they come up with next, but at least I can keep all this proof as to my harrassment claim if needed.

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After they stopped me paying online last year (they said they were overhauling the site)

I set up a standing order which has/is being paid.

 

PRA keep emailing me to say they cannot trace the first two payments, (well they left the account)

I suggested they contact my bank and find out where they went (surely this is their problem not mine)

Since then they have been hassling me,

 

 

today they have threatened to take further action (action over what I am not sure)

my bank statements show the money left the account, which is the amount agreed by PRA.

 

I have told them no phone calls, (to which they seem to ignore and keep saying they are trying to contact me) well if they are they leave no message, so is this a lie.

 

Due I ignore the threat of further action, I AM PAYING - what more can I do.

 

Please any help,

as I cannot cope with the emails going over the same thing time and time again,

I know what they are up to,

they hope I will cave in and offer more,

but there is NO MORE.

 

Is there a ombudsman or something, as I am meeting their agreed payment.

 

Thank You.

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well bounce the emails then click ignore

 

 

you need to get an sar running to MBNA

else this will go on as you are letting a DCA walk all over you.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I did that months ago paperwork to CAB and established PRA bought the debt and that I need to make the payments, which I am doing (as stated in email).

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did what?

 

so you have the sar data from mbna?

 

if you blocked emails

why are you still getting threats that are winding you up.....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I never said I blocked the emails,

I just want to know who is responsible for finding the money they say they never received from my bank, them or me.

I can prove if needs be that the money left the account.

 

They have said if I do not reply to them either by phone or email they will find another way to contact me,

this can only mean a house visit (can they do this).

 

I don't want to play games I just need to know what 'rights' they have if any.

 

Thanks

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well you should block them.

you are responsible to find the money its yours..

go ring your bank and ask them to recall the payments.

 

 

doesn't matter if they threaten/make a home visit

they are NOT BAILIFFS

and you can the police on 101 if they do that.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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