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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.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Abbey/MBNA Credit Card charges?


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I have sent off for my statements/charges etc... I have been shreading all my current statements for years now, probably too embarrased to want to re-read them. Can anyone remind me how much Abbey/MBNA used to charge for late payment and over limit fee? I am eager to get a rough idea of what I am going to claim for? Many thanks...... xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 2 weeks later...
I have sent off for my statements/charges etc... I have been shreading all my current statements for years now, probably too embarrased to want to re-read them. Can anyone remind me how much Abbey/MBNA used to charge for late payment and over limit fee? I am eager to get a rough idea of what I am going to claim for? Many thanks...... xx

 

Hi

 

Between Sep 2002 & OCt 03 they have been charging me £20 but in Nov 2003 they increased that to £25. which is the amount they comtinued to charge up to sep 2004 where no more late charges have been added to my account.

 

Hope this helps , good luck:)

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That really does help, thank you. I have been paying late payment fees and over limit fees for about 6 years, so at least now i can have a rough guess as to what the charges all are... whilst waiting for my statements thank you x

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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On my MBNA card I was charged £18 per late fee and overlimit fee from Feb 2001 to Jan 2002. From March 2002 to Aug 2003 it went up to £20 and then from Oct 2003 to Oct 2005 (the last time I was charged) it was £25. According to the letter from MBNA their charges were reduced to £12 on 28.06.07 for late charges and £12 on 28.07.07 for over limit fees.

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Excellent, that is exactly what I needed to know, thank you. I will not do anything until I have all the statements/charges to hand but it appears that the money I wish to claim back would clear my card account and also give me about two hundred pounds over. It feels good doesn't it!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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good luck and start dreaming about what you could do with your excess of dosh. :)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Whilst waiting for all my statements to come through I have decided to contact MBNA with my pound and ask for my CCA too. I am more than a little concerned, due to the fact I am on a payment plan with them at present (and they are not charging me interest/charges etc)

 

Anyway, just wondered if anyone out there had requested a CCA from MBNA, when their card used to be Abbey? And what their outcome was?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Hi

 

My charges with MBNA (Abbey credit card) amount to £800. I sent them an SAR together with my £10. MBNA sent me copy of my statement of account, returned my cheque and as a gogw they credited my account with £300.

 

I replied stating I only accepted their gogw as a down payment and intend to persue for the remainder.

 

I am now awaiting for the time to run out on my 2nd LBA then I will submit my claim.

 

Good luck:)

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Anyway, just wondered if anyone out there had requested a CCA from MBNA, when their card used to be Abbey? And what their outcome was?

 

hi standingupformyself

 

My MBNA card was not Abbey it was an A&L card, but thought you may be interested as like Abbey, MBNA purchased A&Ls card business around the same time as they purchased Abbeys card business.

I'm still waiting for a response from my A&L CCA sent 1st March - it depends on whether Abbey handed over the relevant docs at the time or where a bit sloppy with the paperwork. :o

Its definately worth the £1 - have you sent the request yet?

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Hi, sent off my request for Abbey credit card statements, but sent it to Abbey address. Should I have sent it to MBNA, if so does anyone have their address as I don't want to wait 40 days to be ignored because I have sent it to wrong address.:idea:

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Hi Salmon

I would personally re-send the SAR to MBNA, maybe send a copy of your Abbey letter with it.

M B N A EUROPE BANK LTD

STANSFIELD HOUSE

CHESTER BUSINESS PARK

CHESTER

CHESHIRE

CH4 9QQ

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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hi standingupformyself

 

My MBNA card was not Abbey it was an A&L card, but thought you may be interested as like Abbey, MBNA purchased A&Ls card business around the same time as they purchased Abbeys card business.

I'm still waiting for a response from my A&L CCA sent 1st March - it depends on whether Abbey handed over the relevant docs at the time or where a bit sloppy with the paperwork. :o

Its definately worth the £1 - have you sent the request yet?

 

 

Not yet, but will do tomorrow. I am very curious......

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I am going to write to Abbey today requesting old statements. Presumably I will change the wording on the SAR requesting statements back to 1993 (for example) and in the same letter requesting certificate of destruction if they cannot conform to this request? Does that sound right? I have also listed this question on someone elses thread, but thought I had better post this on my own thread.

Hubby and I had a joint account that had a £1000 over draft, we had this facility taken away quite suddenly and I recall it taking ages to clear, with many charges. Interesting thought that I could claim this back back, I reckon the account probably closed around 2001 but was active from 1994 ish

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 2 weeks later...

Sent a few reminder emails yesterday, regarding the lack of acknowledgment from MBNA. Today I got a telephone call from MBNA assuring me that my statements would arrive in time. They state 40 days from the date they received my identification.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I have realised that I have two threads going for MBNA. This one and the other one is called Standingupformyself and MBNA/ABBEY CREDIT CARD

 

Could a Mod please merge the two threads into one?

Thank you

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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