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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are 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. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A 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 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   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   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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CEL Claimform -and Popla


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Good evening everyone,

 

I have received a county court claim from Civil Enforcement.

 

As usual I apealled to popla initially and got turned down; I have just re-read the adjudication;

 

Decision
Unsuccessful
Assessor Name
Lauren Bailey
Assessor summary of operator case

The operator’s case is that the appellant failed to make a valid payment for parking.

Assessor summary of your case
 

The appellant’s case is that the operator’s photographs do not prove that the vehicle parked on site. The appellant questioned the accuracy of the ANPR system. The appellant said that the operator has not provided evidence it has the authority to issue parking charges on this land. The appellant said that the operator has not shown the charge is a genuine pre estimate of loss.

Assessor supporting rational for decision
 

The appellant has raised a number of grounds of appeal however my decision will focus solely on the parking charge amount.

The appellant said that the parking charge is not a genuine pre estimate of loss.

 

I will therefore consider the prominence of the parking charge on the signs at the site.

The legality of parking charges has been the subject of a high profile court case, ParkingEye-v-Beavis.

 

Cambridge County Court heard the case initially, handing down a decision in May 2014 that a parking charge of £85 was allowable.

It held that the parking charge had the characteristics of a penalty, in the sense in which that expression is conventionally used, but one that was commercially justifiable because it was neither improper in its purpose nor manifestly excessive in its amount.

 

Mr Beavis took the case to the Court of Appeal, which refused the appeal in April 2015, stating that the charge was neither extravagant nor unconscionable.

Mr Beavis further appealed to the Supreme Court, which on 4 November 2015, concluded: “…the £85 charge is not a penalty.

Both ParkingEye and the landowners had a legitimate interest in charging overstaying motorists, which extended beyond the recovery of any loss.

 

The interest of the landowners was the provision and efficient management of customer parking for the retail outlets.

The interest of ParkingEye was in income from the charge, which met the running costs of a legitimate scheme plus a profit margin.

 

Further, the charge was neither extravagant nor unconscionable, having regard to practice around the United Kingdom, and taking into account the use of this particular car park and the clear wording of the notices.” As such, I must consider whether the signage at this site is sufficient.

 

When doing so, I must consider the minimum standards set out in Section 18 of the BPA Code of Practice.

Within Section 18.1 of the BPA Code of Practice, it states as follows:

“You must use signs to make it easy for them to find out what your terms and conditions are.”

 

Furthermore, Section 18.3 of the BPA Code of Practice states:

“You must place signs containing the specific parking terms throughout the site, so that drivers are given the chance to read them at the time of parking or leaving their vehicle. Keep a record of where all the signs are. Signs must be conspicuous and legible, and written in intelligible language, so that they are easy to see, read and understand.”

 

As stated, these are the minimum standards that could be expected of the parking operator when informing motorists of the terms and conditions at a particular site.

In addition to this, I note that within the Protection of Freedoms Act 2012 it discusses the clarity that needs to be provided to make a motorist aware of the charge.

 

Specifically, it requires that the driver is given “adequate notice” of the charge.

 

The act then moved on to define “adequate notice” as follows:

(3) For the purposes of sub-paragraph (2) “adequate notice” means notice given by:

(a) the display of one or more notices in accordance with any applicable requirements prescribed in regulations under paragraph 12 for, or for purposes including, the purposes of sub-paragraph (2); or

(b) where no such requirements apply, the display of one or more notices which:

(i) specify the sum as the charge for unauthorised parking; and

(ii) are adequate to bring the charge to the notice of drivers who park vehicles on the relevant land.

 

Having reviewed the signage, I do not consider the parking charge is prominently displayed on the signs.

The parking charge is written in smaller text that the terms and conditions.

It is also included within other terms and could easily be missed by motorists.

 

On this occasion, I do not conclude that the parking charge is

“adequate to bring the charge to the notice of drivers who park vehicles on the relevant land”.

 

I will therefore allow the appeal.

 

your attention is drawn to a) the unsuccessful verdict at the start, and b) the final line of the text.......

 

has someone dropped a major one here????

 

many thanks in advance

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  • dx100uk changed the title to CEL Claimform -and Popla

irrelevant to a court claim.

 

please complete this:

 

 

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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Have already acknowledged service, whats my next step to cause maximum hell for this company....

 

Background, I work for a local authority, we deliver to schools,charities etc....I hate these private [EDIT] companies because they feel that by targetting my employer, they are onto an easy buck.....

 

I know you will think I'm mad (crazy even) but I take these tickets on in my own name and fight them as far as I can.....

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as you should

link please

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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Right POPLA deliberately chose to pick holes in one part of your appeal becasue that part was utter bo**oCks and 10 years out of date and it saves them the embarrassment of having to answer the other points which were more pertinent and would possibly ahve won you the day.

had you not put this bit about loss in your appeal they would be forced to ask CEL for their contract and you may well ahve won the day.

however, as said above that is all irrelevant to a court claim and what you need to put in your defence.

 

For the moment all you need to do is go moneyclaim online and create an accout and enter the case ref and acknowledge the claim. that gives you an extra fortnight to submit an outline of your defence and will also give you tiem to send CEL a CPR 31.14 request for documents ( see library fo letter) and to gather a bit of evodence for us to look at and make suggestiosn of what to put in your outline defence.

 

Now pictures of the site and its signage will be the most important thing you can get for us and also say who owns the land if known

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thank you for your reply ericsbrother, fair enough about the damages, I realised after I had sent to appeal to POPLA last year that this foolish.

 

My issue here now is that POPLA have said that their signs are non compliant and at the bottom of my adjudication they say that my appeal should be allowed, they also made a mistake at the start of the adjudication saying it was unsuccessful (obviously CEL don't bother to read past the start of such adjudication and have now launched a county court summons against me.)

 

I have acknowleged service of the summons

 

In the light of this adjudication, I planned to contest the court summons on the grounds that they have been told my appeal should be allowed

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can you please complete this link and answer the Q&A back here

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 it worth quickly e-mailing POPLA, pointing out the contradiction, and asking if your appeal was upheld or not?

 

If they say "Yes" you're in the clear.

 

If they say "No", well, CEL don't have to know about the mail.

We could do with some help from you.

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If appeal was upheld you will be able to make CEL have a very bad time.

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 OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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The wording is a bit vague and we dont really take a great deal of notice of POPLA decisions as they are not binding on the motorist and as this one says they have breached their regs a bit but the appeal WAS allowed so CEL have NO CAUSE FOR ACTION as it was determined that there wasnt a breach of contract so yes, tell POPLA and the BPA that CEL have ignored the determination and what are they going to do about it?

 

.The first line of your defence will be that there is no cause for action by the claimant against the defendant as the POPLA determiantion number xxxyyy of the date 2018 ordered that the appeal be upheld and the claimant  has breached  their legal obligations to comply with this ruling by commencing this action. The claim is thus vexatious

 

Then say for point 2 "there was no breach of contract as the sigange was determined to be insufficient to create one"  just to rub it in and

 

if you want to add any other brief points like the paucity of the detail in the claim itself,

the addition of costs that have not been paid out such as legal fees when no solicitor used contrary to civil procedure rules etc.

 

Then you ask for the claim to be dismissed by the court using its powers under CPR 3.4 and ask for a full cost recovery  order for their unreasonable conduct under CPR 27.14.2(g). 

 

I would say LiP research and presentation costs for 3 hrs@£19.50/hr plus postage etc

 

.

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Thank you very much ericsbrother and everyone else.

 

I have had an email from the BPA stating that they intend to contact CEL to explain themselves.

 

I'll be entering my defence this evening as I don't want them to drop the case before I have had a chance to a) embarass them and b) claim LiP costs.

 

 

I'll come back as and when I have further news on this.......Thank you all once again

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no

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 check with court CEL know they have been rumbled, and would get a tolchocking off a judge whan that POPLA upheld appeal was presented.  They are silly/duplicitous enough to say they have discontinued, then carry on and go for Summary Judgment.

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 OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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send a CPR 27.14.2(g) request for costs anyway as the claim is vex. Explain why in the letter. You can send this by post to your local county court or by email to Northampton BCC but dont expect a response from them in under a fortnight

The reason they have cancelled is BECAUSE you have submitted a defence, if you hadnt they would have won by default and you can bet they wouldnt be keen to pay you your costs for the set aside.

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forgot to say, add the point that they failed to send a proper LBA as requiered under Pre action Protocols. Look up the relevant CPR number if there is one and add this you your unreasonable conduct part and that the claim is Vex as already explained in post 10

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Good morning everyone,

 

I have just checked online and they issued a discontinuance 12 hours after my filing my defence....

 

Hopefully I'll at least get LiP costs out of this, shame they never got a butt kicking from a judge

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you will have to write and ask for them as said so itemise every penny and explain. Northampton BCC may be able to tell you if you should put this to your local court or whether they can use their management powers to order it (probably not).

Be persistent though until you get a proper answer

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