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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Urgent!!! Please Help!


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Is that refering to the bit where Next say an unenforceable debt is still a debt etc etc?

 

 

Yes its a House of Lords ruling and therefore binding on all lower courts

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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Hi Josie thanks for that. Ive tried to google it but I can't find it. :confused:

Do you have the link please?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Oh btw, got a letter from the solicitors this morning basically saying thay have noted the contents of the letter sent to them and Next, and advising that they do not hold the information requested as they are the acting solicitors for litigation procedures only.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Ah thanks rory. I searched Wilson v Minister for Trade & Industry and didn't get much lol....

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Should I be doing something? Would it be better for me if Next dropped the case or if I defend? After Next sending the info in post 141, I would've thought that they'd realise they can't enforce the debt anyway and withdraw the claim. Or can they?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

I will respond to your most recent posts either later tonight or tommorow. I am in the middle of drafting a defence for someone, so have very little time. Sit tight till then!;)

 

Regards,

 

Laiste.:)

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Thanks Laiste. Thought I was all alone for a minute....

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Don't worry - you are never alone on this site. What a load of guff in such a short space of time!!!! The best thing about this is that whilst you have time (which drags in many ways) you do have time. I mean time to think about coresspondence recieved and reply to it. How about a New Years Honour for the wonderful Laiste! I never thought I would see a legal bod doing anything for nothing - I stand corrected! Best of luck!

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never thought I would see a legal bod doing anything for nothing - I stand corrected!

Laiste is not the only legal bod on this site. There are other kind people on here from the same background.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I think when I get my money back from the bank charges, I will buy her one of those thingy's that types out what you say. Don't know what it's called but I'm sure it would give her more free time for herself :)

 

It IS a load of waffle. They sent the application for a card! Like that makes a difference when their opening sentence is that they do not hold an agreement.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Thanks. I checked MCOL and the claim is still ongoing.... its quite funny really now I have all the evidence needed :D

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Precisely, you really must sit tight now and let time take its' course. It is frustrating as you wait - believe me, Next is not having sleeples nights over this - nor should you. There are enough people on this site to help you - this is not just help, this is CAG help!!

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Just checked MCOL again - I can't help it!

Claim is still there, still need to defend, I just can't believe it.

Next would surely have to let the solicitors know that there is no credit agreement wouldn't they??

And if there's no agreement, what do they possibly think they can gain?

 

I just can't understand their reasoning behing all this. :confused::confused:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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I don't understand it either Monopoly! I thought they would have thrown the towel in by now!

 

I do think they are going to wait until the 11th hour to see in you will fold.

 

They are playing a psychological game with you, they have no case and they know it. Hang in there, nearly over..

 

minky xx

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If I acknowledge service though, you'd think they might understand that I'm doing it for a reason!

 

Nearly over, yes....

 

Im quite concerned actually because I haven't heard from Laiste in a while. I hope she's ok. She did say she would come back on Thursday, to start going through everything, but not heard a peep :confused:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

There's no need to be concerned, I am always available for emergencies and for defence deadlines. Whilst I try to get back to people when I say I will, it simply isn't always possible! Plus the fact, I have a family member who is very ill, which makes things even more difficult.

 

I will address the substantive issues you raised a few days ago a bit later. What you do need to do, which will help me, is stop fretting about all this. In the absence of an agreement, the debt is entirely unenforceable. They are just making you go through the motions one, to see if you will and two, to upset and annoy you! I don't know why you are surprised

and/or frustrated that these Companies behave unfairly and unreasonably, did you expect any other sort of behaviour from them? If they can't enforce the debt, what's the next best thing for them to do...? Frustrate and annoy the hell out of you, what else is left for them....? So just because there's no agreement, doesn't mean they are in the mood for acquiescing just yet! That's just something you have to accept! At least you're not going to be in the position of having to go to trial, to argue your case in front of a District Judge, which can really be an ordeal for some!

 

What I am saying is, there really is no need whatsoever to be worrying or panicking; a Company not being in possession of an agreement is the best of all scenarios!

 

Regards,

 

Laiste.:)

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Hi Laiste! You always turn up when I'm on the edge of panic lol. Ive been fine for about a week... lol

 

Im really sorry to hear about your family member that's ill. I hope s/he gets well soon.

 

Let me know when you want to do this, and I'll make sure I'm available to answer any questions you might have, and I can write a summary of all dates, letters and events etc if that will make it easier for you.

This thread is HUGE!

 

Thanks again :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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All thats happening is that they are pushing it as far as they can to see if you will crack under the pressure............

 

Have a look at this thread Provident personal Credit sent this CCA in response to my request slightly different from yours but in this case Provident didn't want to go into court to explain excessive interest charges.

 

Main thing is to keep your chin up..........we're all here to help

  • Haha 1

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Well josie, I certainly won't be cracking under the pressure!

I just can't wait to see the outcome of this. There's so many ways it could go and so many reasons why I don't think they can win, it's hard to imagine the final result. I know I must be patient, Patient, PATIENT but I'm so eager for the result!!!

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi Monopoly,

 

I'm responding to the salient points of your post when you received the information from Next. First of all, they have admitted they have no credit agreement, so they are stuffed, basically. I don't know where they get their legal advice from, but they should ask for their money back! An unenforceable debt is not a debt, end of story! They would be laughed out of Court by the District Judge if they proffered that argument! So as far as their case goes, they don't have one! They are no doubt waiting to see if you file a defence or not, because obviously if you didn't they would get Judgment by Default, which is what they're hoping for, hence why they haven't withdrawn from the case.

 

If I am right in presuming that their letter wasn't marked Without Prejudice, then we can refer to it in the Defence basically saying that the Claimants have admitted they are not in possession of an agreement and know the debt is unenforceable. We would then go on to say the claim has been issued vexatiously and amounts to unlawful harassment, as the Claimants knew prior to filing the claim that they had no agreement.

 

One of two things will then happen IMO. They will either file a Notice of Discontinuance bringing the case to an end, or they will simply not respond to your defence as they are required to do, and the case will be put on a stay after 33 days. If the latter happens, they would then have to apply to a Judge to seek permission to continue with the case. The longer they leave it, the harder that becomes. However, in my view, if it gets to that stage they will simply leave it and that will be an end to it. It is highly unlikely they will carry on any further, but we'll have to wait and see....!

 

You do have some options to consider in respect of this case, given that they have no doubt registered a Default Notice (DN) against you. You could file a counter-claim (c/c) against them on the basis of unlawful harassment, if they have sent threatening/hostile letters and telephoned you also. The fact that the claim has been issued without any legal basis, also amounts to harassment. As they cannot produce an agreement, they have processed your personal details unlawfully under the Data Protection Act 1998. Registering the DN also amounts to defamation of character, as they have besmerched your reputation, and will prevent you from obtaining further credit. As part of a c/c for damages, you would be seeking removal of the DN. Bear in mind the more you claim in damages, the higher the fee for filing the c/c. You might decide to let their claim fizzle out and issue your own on the same basis. However, the burden of proving the case then rests with you and definitely preferable that it rests with them, as it does now.

 

What you need to think about is how they are going to react having not been able to collect the debt, if you subsequently ask them to remove the DN. Without the threat of having to answer a c/c or claim you might/will issue, they are going to refuse point blank to remove the DN. It will be their last act of spite, if you like. If they think there are going to be serious consequences for not removing it, then they will in all likelihood give in. Although, if you don't file a c/c, they may leave you with no other option other than to file a claim, which of course will cost you money. It costs either way, but as I've said, it's better to do this by filing a c/c. It all comes down to what you want to do. There is of course the small chance they will go to Court if you file a c/c. They would be very foolish to do this given that no agreement exists, but Companies do stupid things, so it's worth bearing in mind.

 

The DN and whether you received it or not, is a mute point given that they don't have an agreement. That said, they were correct in saying they don't have to provide a certified copy. They do have to provide a true copy however. If you didn't receive it, they won't be able to prove either that it was sent or received, as there is no record of 1st/2nd class post, so they have no evidence. A DN must contain a full date, just the month and year are not sufficient and render it invalid.

 

They haven't supplied you with the information you requested under the Subject Access Request, so I would report them to the Information Commissioner. A formal complaint is justified and may well get them into trouble!:-D They are making things unpleasant for you, so a bit of their own medicine is appropriate I think!

 

Can you remind me when the defence has to be filed by and can you post up the full details of the particulars of claim. Thanks.

 

Regards,

 

Laiste.:)

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Hi Laiste, good to hear from you! I will answer/reply to each of your paragraphs in order:

 

Their letter wasn't marked without prejudice,

 

If the case is stayed due to them not responding to the defence, where would that leave us? Could they still chase us until we file against them?

 

The letter says - "A default entry will therefore be made on your credit referance file..." I don't know if there is one there or not,

 

They haven't phoned or sent any letters since we last made a payment, but I do want to c/c for the removal of the default,if there is one, depending on the cost. How would you calculate the damages in something like this?

 

The default notice doesn't even contain half the things it should, therefore it IS invalid. Seems like it was meant more of a scare tactic. It's not even headed default notice, though it states "failure to respond will result in a default being registered."

 

They said that as I didn't include the £10 fee, they are not obliged to provide supply it and they would only provide me with info that wasn't archived,

 

The defence has to be filed by 29th June.

 

Their POC:

 

The Claimant's claim is for the sum of £187.42 being the balance outstanding on the Defendant's account in respect of the price of goods supplied and delivered by the Claimant to the order of the Defendant through its mail order catalogue service together with any charges applied to the account in accordance with the terms and conditions of use.

 

Full details of the cost of all purchases made and details of agreed payment arrangements have been given to the Defendant. The Defendant has defaulted in payment.

 

The Claimant claims £187.42

 

That is exactly how it's written, poor punctuation and all. The second paragraph is partly true now they have provided a list of balances each month, but it wasn't correct at the time they filed their claim. Neither have they given us any details of 'payment arrangements'.

 

Let me know if you need anything else. :)

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Getting worried now.... I know I shouldn't but I feel a bit forgotten when no one posts for a while :sad:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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