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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.  
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PRA Claimform - old MBNA Credit card debt ***Claim Dismissed no DN***


Betty55
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I got into a lot of credit card debt and have 2 ccj already in 2013.

 

I have continued to bury my head in sand and ignore letters re my other cc debts.

 

I received another ccj claim dated 10th October and was going to just fill in expenditure form and offer payment

 

I struggle with dealing with this due to mental health so

 

send back acknowledge service to buy more time to complete forms.

 

Last night I came across this site and am now wondering if I should try to defend it.?

 

It’s very last minute and I don’t know if I have time?

I’ve never tried this before.

 

The debt was sold to PRA group they are claimant and the debt was £13k

on the claim they are also asking for another £4,500 interest now over £18k they want.

I will have to go bankrupt if I end up with an 18k ccj

 

They say I signed agreement in 2002 and defaulted in 2013.

 

I have never answered any calls or letters.

 

I have to send a defence or admission I think in next few days.

 

I should have looked into this sooner.

 

Is it too late do I need to offer payments

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Hi Betty and Welcome to CAG

 

If you could read the following link and then copy and paste the Q,s and your responses back here for further advice.

 

You need to request a copy of the credit agreement and also complete a CPR 31.14 request (instructions are contained in the link)

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

 

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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Thank you for reply

 

Name of the Claimant ? PRA group ltd

 

Date of issue – 10 Oct 2017

 

What is the claim for –

 

1.The claimant claims the sum of £16,800.50 for debt and interest.

2.On 22/09/2002 the defendant entered into an agreement with MBNA Europe bank ltd for a credit card underdressed ref xxxxxx.

3.On the 21/05/12013 the defendant defaulted on the agreement with an outstanding balance of £13k.

4.On the 20/06/13 the debt of £13k assigned to PRA group ltd.

Notices of assignments were sent to the defendant in accordance with s136 law of property act 1925.

5.Payments of 0.00 received up to 29/06/13 and

the claimant claim the sum of £13k .

Statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum from 23/06/13 to 1/10/17 £4,900 and thereafter at a daily rate of 2.90 until judgement or sooner payment

 

What is the value of the claim? £18k

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card

 

When did you enter into the original agreement before or after 2007? 2002

 

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. PRA

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Can’t remember

 

Did you receive a Default Notice from the original creditor? Can’t find one

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Got into a lot of debt after divorce mental health problems

What was the date of your last payment? May 2013

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management Plan . No

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so defence due by Friday 4pm.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

 

GET CCA/CPR running TODAY

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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Follow dx's advice. Its unlikely theyll ever get the proper paperwork, so are trying to foce through a CCJ befor eyou realise. Especially as they got greedy and have seen that amount.

 

Again, you MUST follow dx's advice to the letter, or you will end up paying this amount that you very VERY likely will never need to pay.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thankyou

I have done the CCA Request but am waiting for someone to return with ink for printer as usual it all goes wrong when in a hurry.

 

I am doing the cpr.31.14 now but the claim form does not state solicitor details the address for sending documents is the same as the claimants pra group.

 

There is no details of the solicitors address so not sure where to send it? Any ideas?

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Send your requests to PRA

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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Thanks for help

Should I send both cca and cpr together or separately ?

 

Together if you wish but get a receipt of postage

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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I have done the cpr31.14 and cca and am wondering

do I put today’s date on the letters as I’m so late sending them given I received the claim forms on 17th October

whether this will be a problem for me in my defence due to me taking so long to request this information?

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No...put today's date on...we can work around that in the defence

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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Thank you all I have just done the post office dash and sent the CCA and CPR31.14 via special delivery.

 

I am going to do the defence online through the mcol website.

 

I have been looking at some threads but cannot find guidance to complete the defence so not sure which area of site to find this.

 

Any direction to where I should look for information about doing the defence would be much appreciated thank you

 

Betty55

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use the search CAG box of the top red toolbar

 

claimform PRA credit card

 

post it up here 1st for checking.

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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Thanks dx

Sorry I’m new to all this I search for cliamform PRA credit card ? And post the defence forms on here before submitting them?

 

I’ve just noticed something else.

 

On the particular of claim it says on the 20/06/13 the debt was assigned to PRA group.

 

But I have letters from Aktiv capital in June 2013 and then from tempos solutions in 2014 .

 

then another from Buchanan Clark and wells acting for activ capital in April 2014.

 

Are they all the same company or can several DCAs be assigned the same debt?

 

I don’t understand it all

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https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=claimform+PRA+credit+card&sa=Search+CAG#gsc.tab=0&gsc.q=claimform%20PRA%20credit%20card&gsc.page=1

 

post it up here FIRST

as it will need slight adaption now from those that you'll find as the rules have changed.

no rush you have till Friday

but have a go

 

as for the DCA's all the same lot!

just trying to kid you it going up some kind of 'ladder'

 

don't ever forget

a DCA is NOT A BAILIFF

they have zero legal powers.

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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Thank you dx I wiill

Bit panicked as in work all day tomorrow and Friday but will work on it tonight and tomorrow night to get it done at least it can be sent online not another post office sprint

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have a go if not well post something for you

its better you have an idea rather than going in blind

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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Shamefully lifted from others posts but thought would check if I am on the right track?

 

The particular of claim (do I put this in my defence form?)

 

1.The claimant claims the sum of £16,800.50 for debt and interest. On 22/09/2002 the defendant entered into an agreement with MBNA Europe bank ltd for a credit card underdressed ref xxxxxx. . On the 21/05/12013 the defendant defaulted on the agreement with an outstanding balance of £13k. 4.On the 20/06/13 the debt of £13k assigned to PRA group ltd.

Notices of assignments were sent to the defendant in accordance with s136 law of property act 1925.

Payments of 0.00 received up to 29/06/13 and

the claimant claim the sum of £13k .

Statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum from 23/06/13 to 1/10/17 £4,900 and thereafter at a daily rate of 2.90 until judgement or sooner payment

 

1. 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.

 

 

2. Paragraphs 1 & 2 are noted and is accepted that the Defendant has in the past had financial dealings with MBNA. I am unable to recall the precise details of the alleged agreement or debt by which the Claimant refers to within this claim. The Defendant has sought verification from the Claimant who as of this date has been unable to comply.

 

 

3. Paragraph 3 & 4 are denied. I am not aware of any service of a Default Notice pursuant to section 87 of the consumer credit Act 1974 or of any legal assignment or Notices of Assignment pursuant to the Law and Property Act 1925 Section 136(1) as stated on the claim by the Claimant or by MBNA.

 

4. A request for information pursuant to the Consumer Credit Act (section 78) was made on the 8th November by signed for delivery and a CPR 31.14 request was made by signed for delivery on the 8th November 2017 . To date the Defendant has received no response or acknowledgment from the claimant in relation to the request for information pursuant to the Consumer Credit Act (section 78) or the Claimant’s legal representative regard the CPR 31.14. The Claimant in their non-compliance to my requests therefore remain in default.

 

5. Paragraph 5 is noted.Although the claimant is denied from adding section 69 interest to inflate the debt of any alleged amount outstanding at this time.This is at the discretion of the court whether to allow it in full partially or at all. I have in the past had financial dealings with MBNA ,I do not recollect the precise details of this agreement and have therefore sought clarity by way of a section 78 request to the claimant. As of this date the claimant has failed to comply with my request and is therefore prevented from seeking or requesting any relief until such compliance.

 

6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:

 

a) show how the Defendant has entered into an agreement; and

 

b) show how the Defendant’s alleged debt has reached the amount claimed for; and

 

c) show the nature of breach and service of a Default Notice and subsequent Notice of Sums in Arrears in accordance with the Consumer Credit Act 1974; and

 

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

 

 

7. As per Civil Procedureicon Rule 16.5 (4) it is expected that the Claimant proves the allegation that the money is owed.

 

 

8. On the alternative, as the Claimant claims to be 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.

 

 

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

 

If anyone has time to check this it would be appreciated as it’s all confusing. I have a lot of reading to do

Betty55

Edited by Betty55
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yea done good there

theres a bit to add about the new PAP rules

i'll find it later

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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Thank you so much.

The only thing I was worrying about is that I only sent the requests for cca and cpr today and have had the claim since 17 Oct. do I have to explain in my defence why I have only just sent those requests and not done so sooner? I am worried the judge will give them the ccj because I took too long sending those requests

Betty55

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nope as andy said a slight adjustment might be needed that's all.

 

no judge will ever allow a CCJ if the claimant cannot PROVE their case

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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Thankyou I am a bit of a panicker. I have also realised I made and error in my CCA Request. In this bit.

 

“You are reminded that should you fail to comply with my request: the provisions of s.77 (4)a/78 (6)a/79(3)a will apply”

 

I forgot to delete the s77 & 79 bit. I’m such a numpty. Should I send another ammended letter? Doh

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