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    • If it is MCB    National Fraud Database Members | Preventing Fraud Losses | Cifas WWW.CIFAS.ORG.UK A range of organisations use the National Fraud Database to share data on confirmed fraud cases, preventing over £1 billion in fraud losses every year.   They are on the register  
    • Hi @LilMissM   I guess you could call me our resident CIFAS Specialist - Personally have been through all of what you have and now have come out the other side when my marker fell off in May 2023. For a start Monzo may close your account but as I had a Marker for App Fraud (Vodafone ended up making a whole hoohah of the account I had with them) - I was with them and still am from Oct 2017 till today. And not once did they close my account. I actually spoke to a couple of current account providers at the time that I had accounts with - Nationwide and Barclays - Told them what was going on and provided all the evidence to them. They advised they may do so but it was highly unlikely now that they understood why it happened and what I was doing to fight it.    Anyway - On to your marker. MCB is My Community Bank?  I can say to you that on experience that On Monday you can be on top of the world then on Tuesday you whole life changes in a flash of an eye. Suddenly you cant pay your bills, Work isnt feasible and you are left with no other choice but to scrape by.  If this has happened to you, then join the club.  - Why is this important? Well Financial institutions get one whiff of potential fraud and you are guilty without a chance to respond. You found out the hard way   If it sounds like I'm waffling, I'm not - Its important to your issue. They have deemed you guilty by the fact that no payments have been made and potentially entered into a loan agreement knowing looking not to pay (Although thats how it may appear, there will always be factors against that)    First off - Questions - What Category of Marker do you have? If unsure, check my signature for a Credit File Guide which will tell you all you need to know about what Categories apply.  - When did you raise the complaint? They will have 8 weeks to respond. More on this in a mo.  - Do you have Correspondence / Audit Trails of communications showing that you were in severe financial strain due to an event AFTER you took the loan?   My next suggestions, Send this complaint to the CEOs office - CEOEMAIL.COM Let them make the decision as per the Complaint Procedure. Then if they refuse to remove the marker. take it to the FOS who can force the company to remove it if found in favour.  Some companies do need a slap or 2 once in a while to bring them down a peg. You could be looking at this right now.   
    • Other case law relied upon " On other record of reasons "
    • Page 2 – document 10 and 11 – you should include the fact that it is a Law reform commission report. Best to give it its full name if you can I suggest that you move paragraph 10 up to the first position – paragraph 5 and move everything down. I think other than that – it is good to go. I suggest you don't bother to do any more drafts. Simply rearrange the paragraphs as I suggested above then the title of the documents that you are relying on in the index page. Send it off and post your final version here so that everybody can see. I'm sorry about the delay. Thanks for reminding me
    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
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EXCEL PCN 2015 Peel Centre now BW claimform


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read the pranksters latest blog about this very place, it has some very relvant points that you should note and add to your defence bundle when the time comes. You will also need to quote the case numbers of that particular failure by Excel to screw money out of the innocent as well as furnishing copies of the Fairlie Fenton judgement rather than just quoting it.

 

Do you mean this post:- http://parking-prankster.blogspot.co.uk/2016/10/bw-legal-how-to-winlose-claim.html

 

Regards

 

Chris

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Just checked the MCOL website this morning and it says that DQ entered by claimant on 21/10/2016(I already knew this) and that the case has been transferred to Stockport County Court.

 

 

I sent my letter requesting that it be struck out to Northampton yesterday.

 

 

Will I now need to send the same letter to Stockport?

 

Chris

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no, it will be forwarded.

 

After you get the allocation letter then you write to Stockport CC for all matters that then arise.

Your letter may not get read by anyone who matters for a while so dont expect a response in monday's post.

 

 

I hope that you get a case management directions letter,

if you do let us know otherwise things will follow their normal course

and you will be told what to do any by when by Stockport.

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thats normal. read the panksters blog as they have just lost a claim in the courts for here but it was a different reason. That doesnt mean that there isnt something to learn though as they lost one before that as the ticket machine was faulty so it was what is known as a frustrated contract so they cant claim a breach.

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I`m not sure what BW are playing at,

 

 

this morning I received a letter with a badly photocopied Excel Parking header saying that the account has been passed to BW Legal.

 

 

Evidently, they will contact me regarding payment?

Are they really that stupid?

Don`t they know they are supposed to be going to Stockport County Court?

 

Furthermore, I spoke to Stockport CC this morning

a lady told me that Allocation Fees are no longer paid, and have not been paid for the last 2 years,

but that the hearing fee had gone up and would be payable sometime in the future after the district judge had looked at the file.

 

She also told me that my letter asking for the case to be struck out had been forwarded to them, but they had not yet received the file.

 

Until they receive all the documentation, the judge cannot make any decisions about the case.

 

This is all like Rumpole of the Bailey!!

 

I am confused about what is happening.

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well, at the moment you are waiting for a judge to read the paperwork and then either order the claimants to pay the hearing fee (old allocation fee) or for either party to produce some documents that will decide whether it goes to a hearing. You may get invited to attend or submit to a case management hearing, if you do then I would advise attending.

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if there is one it will normally formally lay out what each party is expected to do in a certain time before the matter goes to a full hearing.

 

 

In your case I would think that Excel/BW will be ordered to show exactly why they they are suing you as you have asked for a strike out.

 

 

If they get the legal jargon wrong then their claim may well be struck out at this stage (here's hoping).

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  • 1 month later...

Well today I received a form labelled

`Notice of Allocation to the Small Claims track(Hearing)`.

 

Despite the claims of the court in Northampton,

my original letter requesting a strike out has been ignored.

 

the form gives 7 days to make any representations,

I have merely redated the strike out request and sent it to Stockport County Court.

 

The claimants have been told to pay a £25 hearing fee by 3rd January 2017 or the claim will be struck out.

 

The form also states that:-

`By 27th December 2016 you must file at court and serve on yout opponent

 

a) A written witness statement of any person(including yourself( whose evidence is relied upon in support of your case. It must contain:-

i) All the evidence of thew witness

ii) Be dated

iii) Conclude with a signed confirmation stating: "The contents of my statement are true to the best of my knowledge and belief"

b) Copiers of any documents relied upon, even if these have previously been sent to your opponent and/or sent to the court. You are unlikely to be allowed to rely on any documents which have not been filed at court and sent to your opponent in compliance with this direction.

 

Most of this will not involve me, I`m guessing?

 

Chris

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so far nothing unusual.

 

You need to write a witness statement outlining your version of events and the main points you are making as to why their claim is rubbish and end it as prescribed.

 

 

As said, copies of documents you wish to use at the hearing

so if you are going to refer to other cases where Excel have lost you must be clear as to what case this is,

where it was heard and a precis of the case or at least the reasons for the outcome (no signage, confusing layout etc).

 

 

A full transcript will not be necessary but you cant just say PE v Smith and leave it at that,

the judge isnt going to look up 5,0000 PE claims and hope to find the one you are referring to.

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The main points of my defence are as folows:-

1/ My daughter, who is also my carer, was using the car for the first time since I bought it. She uses the Peel Centre car park 3/4 times a week and always gets a ticket which I refund as part of her carers allowance.

 

2/ The car was new to her and she thinks she might have put in an incorrect registration number when purchasing her ticket.

 

3/ Excell Parking did not send the Penalty notice to me until 5 months after the event. The rules state 14 days after the alleged contravention, the Notice to Keeper must be sent. The scrict protocols of Schedule 4 of the POFA 2012 have not been met. There is no cause for action against the defendant as there is no keeper liability inder the POFA as the claimant failed to follow the protocols of the act to create one.

 

4/ Because of the delay in sending the Penalty notice, any ticket would have been thrown away long since.

 

5/ Their evidence relies solely on an entry and exit photograph. There is no photograph of the vehicle without a ticket being displayed. The claim is that no ticket was purchased and displayed in the prescribed manner. This is denied and the claimant has offered no evidence that any action by the driver at the time has lead to a breach of this purported condition in the contract supposedly offered and accepted at the time. In any case, the driver paid the prescribed fee so no loss caused to the claimant and no other cause for action as there was no breach of contract.

 

6/ The claimants solicitors have failed to respond to my CPR 31:14 request made on 10/08/2016 by royalmail recorded delivery postal service requesting any documentation or relevant contracts with the land owners that allow the claimant to issue claims upon the landowners behalf.

 

The main thrust of my defence is that their PCN was out of date when they sent it and thereby did not comply with POFA protocols. That a ticket was purchased but the registration details may have been incorrectly used. There is no evidence(photograph of vehicle with no ticket on dashboard) other than merley entry/exit photographs of the vehicle. Non-compliance with my CPR 31:14 request.

 

Any additional comments?

 

Regards

 

Chris

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penalty notice?

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 you need to get things correct when dealing with a court claim

else they and the claimant will exploit your lack of understanding upon these matters

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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my daughter?

No, the driver at the time.

 

 

Not naming driver to keep any liability limited still applies otherwise they may just drop their action and start again by suing your daughter.

 

Point 4 is irrelevant,

they have 6 years to make a claim but you can say that under the Road Traffic Act councils only have 6 months to issue proceedings as it is considered that it would be unlikely that anyone would remember the events further back than that.

 

On point 5

you should also stick the knife in and quote as many of the claims that EXcel lost for rubbish ANPR, inadequate signage and faulty equipment as you can.

use the Parking Pranksters blog to dig out case ref no's and a precis of each.

 

on point 6

your dont say the claimants solicitors, you say the claimant.

The solicitors are like a taxi,

they just go where they are told to so if Excel havent responded then it is Excel's fault, not BW.

 

 

To add to this you should go furhter and say thus no cause for action against the defendant

(note the impersonal wording, you dont say I, me, etc) has been demonstrated so the claim should be dismissed as being without merit.

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  • 2 weeks later...

Juust noticed that the court require any written witness statement, including my own, by 27th December, and to be served on the opponent.

Does that mean my defnce has to be laid out and sent?

 

Also, regarding the date of which the original Parking Charge Notice was received, being 5 months after the date of the alleged contravention, surely they only have 30 days maximum to send this according to the CPR rules?

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You've already sent your defence

This is your witless statement you have to do...

 

One copy to the court

One to the claimants Sol

 

But if they don't pay the fee its not going anywhere.....

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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You've already sent your defence

This is your witless statement you have to do...

 

One copy to the court

One to the claimants Sol

 

But if they don't pay the fee its not going anywhere.....

Thanks for your prompt response.

They are required to pay by 3rd January 2017. I am required to submit some sort of witness statement by 27th December. I do not have any witness statement to make, the defence says it all.

 

Chris

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Urm you do else you'll lose,....

 

As that was a stupid idea to file all that rubbish in your defence

 

Already had one peel loss today

Don't be the second

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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Urm you do else you'll lose,....

 

As that was a stupid idea to file all that rubbish in your defence

 

Already had one peel loss today

Don't be the second

 

To be clear, what should I be stating in my witness statement?

Unfortunately, I am getting conflicting advice from different people.

 

Regards

 

Chris

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Post 86

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

I have spenjt the last couple of days trawing through the Parking Pranksters website along with Money Saving Expert. This is my witness statement:-

 

WITNESS STATEMENT

__________________________

 

1. The facts in this statement come from my personal knowledge. Where they are not within my own knowledge there are true to the best of my information and belief

 

2. I am not liable to the Claimant for the sum claimed, or any amount at all and this is my Witness Statement in support of my defence as already filed.

 

3. I assert that I am the registered keeper of the vehicle in question in this case. I was not the driver. I have only driven this vehicle on 2 occasions, never to this retail park.

 

4. Excel issued a NtK that they claimed was compliant with POFA, including the warning that if, 28 days after the issue of the notice, the sum was not paid or the driver notified to Excel, they would invoke keeper liability.

 

 

In a recent case at Stockport CC in Excel v Mr C C8DP37F1 Stockport 31/10/2016 the judge made a finding of fact that the Excel wording does not comply with the mandatory requirements of POFA to invoke keeper liability.

 

 

As Excel did not adduce evidence of the driver, and as Elliott v Loake is not persuasive and can be distinguished, the claim was dismissed.

 

5. I also point out to the presiding Judge that the Claimant has not supplied any evidence at all that the alleged contraventions even occurred.

 

 

ANPR camera photos merely show a vehicle arriving and leaving.

 

 

All vehicles will have been recorded thus (assuming their VRNs were captured).

 

 

All vehicles, including those whose drivers paid and displayed.

 

6. In order to demonstrate that the driver(s) on these occasions failed to pay & display, the Claimant should have evidenced that, of course.

 

 

Where are the photos of the dashboard showing no P&D ticket displayed?

 

 

Failing that, as this is an ANPR site, where are the system records showing no payment made on these days?

 

 

They have not even supplied lists of the VRNs input by drivers on those days,

e.g. showing a mismatched payment, wrong VRN or no entry at all that corresponds with this vehicle.

 

7. There is a well-known history of the parking ticket machines at the Peel Centre failing to record a VRN and this has been recorded in two recent cases.

 

 

One mentioned above, at Stockport CC in Excel v Mr C C8DP37F1 Stockport 31/10/2016.

 

 

The other being Excel Parking v Mrs S. C8DP11F9 on 09/09/2016 at Oldham CC.

In this case the defendant purchased a ticket, but the machine was faulty and did not print her VRN correctly. T

 

he judge ruled in favour of the defendant on the balance of probabilities that she bought her ticket and entered the VRN correctly, only for the machine to erroneously mis-print it. T

he case was dismissed.

 

8. The driver maintains that a ticket was bought and displayed on the vehicle during the stay at the car park, however, as this was the first use of a newly acquired vehicle, the VRN may have been incorrectly entered, albeit still a valid VRN.

 

 

As stated in point 6. Above, no pictures of the vehicle without a valid ticket have been produced by the claimant.

 

 

There are no system records showing no payment made, nor has there been any lists of VRNs input by drivers on that day,

e.g. showing a mismatched payment, wrong VRN or no entry at all that corresponds with this vehicle.

 

9. The NTk was dated and sent out on 06/07/2015, almost 5 months after the alleged contravention, thereby NOT complying with POFA paragraph 9 sub (5).

 

 

There is no cause for action against the defendant as there is no keeper liability inder the POFA as the claimant failed to follow the protocols of the act to create one.

 

10. The claimant`s Particulars of Claim states that the PCN was issued on 10/02/2015 which is incorrect. It was issued on 06/07/2015 as stated on their own PCN letter.

 

11. The claimants have failed to respond to my CPR 31:14 request made on 10/08/2016 by Royal Mail recorded delivery postal service requesting any documentation or relevant contracts with the land owners that allow the claimant to issue claims upon the landowners’ behalf.

 

The Court is invited to dismiss this Claim, and to allow my wasted costs which will be submitted separately and in a timely manner, depending upon whether a hearing takes place.

 

 

I firmly believe that to pursue me as registered keeper when the Claimant admits they have no such right, and to submit such incoherent particulars and lacking ‘evidence’ is wholly unreasonable and vexatious.

 

The contents of my statement are true to the best of my knowledge and belief.

I will need to get this sent off tomorrow to comply with the dates set by the court, so any helpful comments would be appreciated.

 

Regards

 

Chris

 

For some reason the formatting has been fragmented.

There are actually spaces between each paragraph.

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As you know,

Trev is hitting a lot of motorists with claims based around his crap ticketig system so keep an eye out for others as they crop up.

 

 

Judges do not work in isolation so I'm sure that yours will have read up on similar cases before hearing this one so you may be asked questions about the others and how your matches them or otherwise. Make the right noises and they certainly will be used as a precedent to ensure consistency of interpretation and application of law

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