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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Arrow/Morgan Claimform - old MBNA card debt - stayed 4yrs - now want to lift it


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I'm looking for some assistance with an issue I have with MBNA / Blake Morgan.

In 2009 & 2010 MBNA lost 2 payments on my account for a period of time which I raised complaints about on numerous occasions,

however MBNA did very little

 

I eventually raised it with the Financial Ombudsman who failed to uphold my complaint.

On the back of this I subsequently asked MBNA to supply all records of recorded phone calls to them I had made as well as the call recordings of said calls so that I could appeal the Financial Ombudsman decision which they never supplied.

During all this they sold my debt off to Arrow Global who started to pursue me for the outstanding debt.

I always maintained to Arrow Global that the debt should never have been passed to them as the account was in dispute but between MBNA & Arrow Global nothing was ever done about it.

Arrow then passed the file to Blake Morgan (formerly Blake Lapthorn)who were advised the same,

they again ignored this until they subsequently started court proceedings in 2014

 

I filed a defence stating the the debt could not have been transferred as the account was in dispute.

The proceedings were stayed and now 4 years on they are now trying to lift the stay.

I have attached the Application for Stay to be lifted and Summary Judgement which has been filled and would appreciate your thoughts on this.

From reading about your success with PRA GROUP (UK) LIMITED v DIANA MAYHEW my thoughts are -

  1. Exhibit 1 - Signature Form is different to Exhibit 6 Signature Form
  2. Exhibit 2 Terms & Conditions bears no relationship to exhibit 3-5 or Exhibit 7
  3. Exhibit 9 - Document totally unrelated to me
  4. Exhibit 11 - Reconstructed Document


I hope you can help in this matter.

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Hi Neal and Welcome to CAG

I have moved your thread to the appropriate forum...Financial Legal Issues in view of the court claim...please continue to post here to your thread.

Thread title updated

Regards

Andy

We could do with some help from you.

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  • AndyOrch changed the title to Arrow Global / Blake Morgan Court Claim

If you cold read the following link and then copy and paste the Q,s and your responses back here then we have details of the debt and court claim in one post and can advise you on how to proceed with their application.

Andy

 

We could do with some help from you.

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In order for us to help you we require the following information:-

Name of the Claimant ? Arrow Global

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 4th December 2014

Particulars of Claim

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. - No longer have the particulars of claim

 

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? - No

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? - Yes

Did you inform the claimant of your change of address? - Yes

What is the total value of the claim? - £6,XXX.XX

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 April 2007 ?  - December 2004

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? - Not sure

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. - Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? - No

Did you receive a Default Notice from the original creditor? - Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No none of these

Why did you cease payments? 

What was the date of your last payment? - 2009

Was there a dispute with the original creditor that remains unresolved? - Yes

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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Thanks.....

We need the particulars of claim ....

A copy of the defence you submitted...

A copy of the their application N244 + Witness Statement in support of the application and exhibits.

Andy

We could do with some help from you.

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Application dated 4th Dec 2018...have you got a hearing date yet ?

We could do with some help from you.

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Okay if you could get a copy of the particulars that would be helpful as would your defence as we dont know what your pleadings are...so you intend submitting your own statement (not less than 7 days pre hearing) in response and objection to their application

We could do with some help from you.

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My defence was around the fact that the debt should never have been passed to Arrow when it was as I was in the middle of a complaint with the FOS when they sent the default notification.

I'm not sure if I will get them as the lady at the local court said they only kept them for 3 years and it was 4 years ago.

Yes I was planning on that & looking for some advice & guidance on it

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Fair enough we can run without the defence...but you really need the original particulars...try Northampton MCOL..you have the claim number?

We could do with some help from you.

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14 minutes ago, Andyorch said:

Fair enough we can run without the defence...but you really need the original particulars...try Northampton MCOL..you have the claim number?

Yes that is who I have emailed as there was 57 in the queue when I phoned yesterday - yes claim number on the documents

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In the meantime take a look at other users threads who have submitted the same and get a look at the layout and contents and have a go at drafting a copy using the claimants statement as guidance and the points you wish to challenge.

 

I will then give the once over and check it before you file and serve. 

We could do with some help from you.

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Hi still nothing from the County Court Business Centre regarding the PoC or my defence so no further forward with that.

 

I've been doing some digging around on this at my correspondence and have come up with the following -

 

When MBNA issued the Default Notice I had an ongoing complaint with the Financial Ombudsman which they were fully aware of.

 

At the end of the complaint I made the FOS and MBNA fully aware that I would be appealing the FOS decision and to do so I would be requesting copies of all telephone records and recordings from MBNA and all parties which I made twice on the 14th June 2011 and the 5th July 2011 using a SAR and paying the fee. To date MBNA have failed to supply these. I have also subsequently informed all agents such as Fredrickson International Ltd., Arrow Global and Blake Morgan, who were informed of this in 2016 and did nothing about this.

 

I am planning on using this in my Witness Statement.

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  • 4 weeks later...

DJ lifted the Stay on the case but refused the Application for Summary Judgment given that he could see there was a dispute as well as their being no Notice of Assignment. Case to be heard via Small Claims with Standard Directions

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Well done Neal...now concentrate on the lack of Notice of Assignment.

 

Andy

We could do with some help from you.

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50 minutes ago, Andyorch said:

Well done Neal...now concentrate on the lack of Notice of Assignment.

 

Andy

Thanks Andy - Yes the Judge highlighted the lack of that being critical - lets hope they don't have the original document

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Perhaps post a copy of your WS here in PDF so only members can see it.

 

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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  • dx100uk changed the title to Arrow/Morgan Claimform - old MBNA card debt - stayed 4yrs - now want to lift it
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