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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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Excel/BW/Elms ANPR PCN PAPLOC Now Claimform - But i paid! - Providince St Wakefield WF1 3BG ***Claim Dismissed***


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Here's a brief run down of history of my situation.

 

I regularly parked in the Providence Street, Wakefield carpark, operated by Excel, and generally used the Ringo App to pay for parking.

 

My usual habit was to park the car and then whilst walking to the office, use the app on my phone to make the payment.

 

On the 2nd May this year I was unable to make payment, errors connecting etc. Each attempt to pay resulted in failure. On arriving at the office I tried to log into my account using the desktop PC, again there were difficulties with logging into the site. I eventually suceeded in making the payment. By this time 1 hour 18 minutes had passed between entering the carpark and making the payment.

 

I thought nothing more of it until the notice from Excel, for not displaying a valid pay and display ticket. I responded via email pointing out that a ticket had been purchased. Their response was that sufficient time (10 minutes) was allowed for purchasing a ticket and that 'payment for parking had not been correctly made'.

 

An appeal was made through IAS, which was, without any surprise, found in favour of Excel.

 

The matter has been placed in the hands of BW Legal who are pursuing the matter. I have had two letters from them, both have gone unaswered. The first stating they are acting for Excel. The second pointing out that I hadn't responded to their first letter and advising of the possibility of County Court Proceedings.

 

The initial claim from Excel was, and appears to still be the case despite providing a copy of the receipt, that I stayed for 528 minutes without payment.

 

They don't appear to be bright enough to switch their claim to being that the 10 minute grace period was exceeded and not that a ticket wasn't purchased.

 

This leads to my request for advice / information. I have attached a PDF showing Excel's handing over of the issue to BW, and BW's confirmation of the instruction. I've also included a photo of the sign at the entrance to the carpark and outlined in red the statements that assistance is requested.

 

1) Does the PCN £100 section bear any weight? As I didn't make a payment until 1 hour 18 minutes after parking, was any contract entered into? If not is it possible to "breach the T&Cs"? Would it stand up in court?

 

2) The T&Cs for the site are situated at the ticket machines, some 30+ yards away from this sign. What weight and how enforceable is the section marked "!"?

 

As pointed out in the appeal through IAS, Excel haven't lost any revenue. I paid £5.00 (12 hours) for parking and stayed 528 minutes (entry to exit times). The payment was late but had I managed to pay at the time of entering I would have paid £5.00 and stayed the exact same amount of time.

 

My view and from what I've read in other postings, the best that can be held against me is that of trespass for the 1 hour 18 minutes between entering the carpark and purchasing the ticket. And, if this is the case, then it's not Excel that has the power to pursue this course of action. It is the land-owner that has to take it and that claim would be restricted to the amount of the loss of revenue / damage caused. In this case the grand sum of £0.

 

My tack is to continue to ignore the communications from Excel and BW Legal and defend any County Court proceedings that they see fit to pursue.

 

Any / all thoughts, advice and pointers will be greatly appreciated.

 

Thanks for reading.

Excel.pdf

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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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Excel haven't lost any revenue. I paid £5.00 (12 hours) for parking and stayed 528 minutes (entry to exit times). The payment was late but had I managed to pay at the time of entering I would have paid £5.00 and stayed the exact same amount of time.

 

The experts will be on in the morning, but in my (very limited) knowledge this is the key point. If they were daft enough to do court, a judge would give them a good kicking. However, await the experts.

We could do with some help from you.

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they have no claim, you paid and that is that No such thing in the parking contract as the payment not correctly made. What if you paid cash, would they sue you for using 10p coins of a particular year they didnt like as being not correctly made?

 

 

You paid and that is all that matters. their system being crap isnt your fault, the reality is you didnt actually have to pay them by that stage, your attempts were good enough and their dodgy system mitigates your actions. Excel have lost loads of court claims for this sort of thing, when it comes to it you can remind them of a few, we will dig some out when they get BW to waste their money with a begging letter.

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  1. Date of the infringement - 2nd May 2018
  2. Date on the NTK [this must have been received within 14 days from the 'offence' date] - 14th May 2018
  3. Date received - 17th May 2018
  4. Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? - Not that I can see
  5. Is there any photographic evidence of the event? - Yes
  6. Have you appealed? [y/n?] post up your appeal - Yes
  7. Have you had a response? [Y/N?] post it up - Yes
  8. Who is the parking company? Excel Parking Services Limited
  9. Where exactly [carpark name and town] - Providence Street, Wakefield.
  10. For either option, does it say which appeals body they operate under? - IAS

docs1.pdf

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Ok the time of the BREACH is 6pm or thereabouts, what time did you pay up?

Until you leave you havent breached the agreement as the contract is not made at entry with this sort of payment system.

 

so for example, if they via their system decided you were so naughty to pay late they wanted damages instead they should have blocked your payment and issued the demand stating the time of the refused payment.

 

Now this isnt definitive but for example,

a car park with a barrier only charges you at exit.

In this case you could pay them for 2 separate parking periods without moving your vehicle past their cameras.

How would they cope?

answer,

the same way as now,

get it wrong and demand money come what may.

 

They accepted the payment so accepted the variation of their standard contract.

you made an offer and they accepted so the scrawl on the wall no longer counts.

Edited by dx100uk
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Hi EB,

 

I entered the carpark just after 9am, managed to pay, via Ringo, at about 10:20am and left the carpark just after 6pm.

 

I have pointed out to Excel that at the time of the alleged breach a valid, paid for session was in progress [they've seen the evidence], but the thing they keep on pushing is the 1 hour 18 minutes that the car was parked without a 'valid pay & display' ticket. They appear to be fixated on the '10 Minutes' grace period and the £60/£100 penalty for exceeding it.

 

It's derogatory to Muppets, but it's what we're dealing with - absolute, total Muppets.

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They haven't a cat in hells chance of winning in court if they are that stupid, you paid ergo no loss,

We could do with some help from you.

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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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ignore until/unless you get a letter of/before claim from BW or a claimform from northants bulk court

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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  • 4 weeks later...

you don't use any of their forms

 

simply write a somewhat abusive letter back to BW regarding you have a ringo receipt.

don't hold back either...

 

if you use the search cag box of the top red toolbar

 

letter of claim PCN BW legal

or

same but gladstones

 

you'll get the idea

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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Hi,

 

Thanks for the response. Here's a response I've quickly thrown together:

 

 

With reference to your letter of 26th November 2018, reference as above, its contents are acknowledged.

 

Firstly, I refuse to complete and return your “Reply Form”.

 

Secondly, I vehemently refute the “Particulars of Debt” and the statements made within it.

 

It appears that you are either going along with your client’s instructions without question, in the misguided belief that everything they say is accurate and true. Or, and this is my opinion and belief, that your client, the Independent Appeals Service and yourselves are in cahoots, using bullying tactics in the hope that yet another innocent victim will pay the Speculative Invoice, otherwise known as a Parking Charge Notice.

 

I have documentary evidence that the statement in the “Particulars of Debt” - quoted verbatim from your letter:

 

On 2 May 2018, you breached the Terms and Conditions by Parked without purchasing a valid Pay & Display ticket (“Breach”).

 

is not true.

 

Your client has been afforded with a copy of the document but have either chosen to ignore it or believe that they are a bully of sufficient stature to carry on regardless in the hope of a submission on my part. It’s not going to happen!

 

I respectfully suggest that you liaise with your client and obtain a full account of the claim and the communications that have passed between us so as to be able to assess the likelihood of any claim made through the County Court being successful. It’s the very least I would expect from a professional company claiming to “provide excellent customer experience… and treating people fairly”.

 

Any thoughts?

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If the payment was via Smartphone there would be no ticket to display surely, so they fall at that point anyway.

We could do with some help from you.

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

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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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You've told them where to stick their claim, although I would have made it shorter and more abusive, in line with EB's classics.

 

However, I would suggest replacing the last paragraph with something like "I paid, your clients have no case, but if you want them to get a good kicking in court, bring it on. I will of course ask for full costs due to unreasonable behaviour (CPR Part 27.14(2)(g))". Plus write at the top of your letter "Copied to Excel Parking Services Limited" (and yes, send them a copy).

 

All this conning and fleecing is not just limited to ripping the motorist off, unscrupulous solicitors often egg their clients on to take court action even though they know full well it will fail - after all, they get paid either way.

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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

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any thoughts?

 

Yes, never be polite to them. I wouldnt be polite to an armed robber whom I had just disarmed.

tell them tbeir client has no chance of winning this spurious claim and that they should try earning a living that doesnt involve telling lies to the semi-literate ex-clampers who are members of the IPC as it just looks like cruelty when it comes to the actual court hearing.

 

that makes a change from my stock suggested response so try it. being nice guarantees a court claim, the harsher ripostes often dont and as they can be used in evidence it will only illuminate their unreasonable conduct

Edited by honeybee13
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How about this, then:

 

I’ll keep this simple so as to avoid confusion.

 

The Particulars of Debt in your letter is a lie.

 

I paid - I have proof of payment.

 

Your client has been given the proof bit still insists I haven’t paid.

 

My proof of payment transcends their claim of non-payment.

 

You / your client have no possibility of winning this usurped claim.

 

Should your client insists on taking Court action, then please be aware and advise them that I will make a request to the Court for full costs due to unreasonable behaviour (CPR Part 27.14(2)(g))".

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Don't say "Lie" say that it is unsubstantiated due to holding proof of payment. ASuch proof should only be sent as a pdf, jpeg or photocopy keep the original very safe

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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absolutely agree with sending Excel a copy, they fell out with Gladdys over the number of claims they lost due to the laxy presentation and went it alone for a while ( they still lost defended claims). Letting them know that Gladdys are wasting their cash may well put the brakes on this and as you can wave the evidence to taunt them they know a costs order is in the offing

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No let them waste their time finding it

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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If they dont speak to their client they will lose any claim made and be liable for a full cost recovery order becuase they haven't done their homework. They have to prove their claim so let them have a copy AFTER they have gone too far to avoid costs.

 

They know that they dont have a leg to stand on becuase you have told them, if they cant be bothered to either look at their records or ask nicely then they deserve to pay out wasted money on this.

 

the more they pay on wasted costs the less likely they are to try the same trick again

so again I say dont think about being nice, they earn millions by false representation.

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  • 2 weeks later...

Hi all,

 

Response received from BW today. Copy attached.

 

What a surprise that they are going to continue to pursue the matter.

 

It seems that they spout their rubbish so often that they believe it themselves.

 

They haven't asked for a response, so I'm not inclined to do so - unless there's a compelling reason that anyone can suggest.

 

Happy reading.

BWLegal 2018-12-13.pdf

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