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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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Can i join the MBNA club?!***WON***


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I'm dealing with MBNA on hubby's behalf. They have defaulted on CCA and have about 3 weeks until 30 day expiry. I had also made a S.A.R request at the same. We've been through the ID palava, but i'm sticking to MY original 40 day expiry date.

 

Since i've posted all of the above, 2 letters have been sent demanding payment (1 threatening default registration will be next action they take). I have sent 1 letter re "debt in dispute bug off" and will send 1 more. (Hubby is quite nervous about all of this). I'm going to ask for their complaints procedure too.

 

Until i've seen statements, i won't decide which route we're taking - charges or not acknowledging debt.

 

Can anyone give me any useful contact info for MBNA eg contact names, e-mail address or fax number? I can't afford to send all letters special delivery, so if i use rec. delivery i like to back it up with a fax or e-mail.

 

Thanks in advance for any help :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Hopeful1,

 

I'm also claiming on behalf of nervous hubby! I sent my S.A.R. to the PO Box address that comes on the card statement, but I didn't send ID and they didn't cash my cheque either! I got the stuff I needed from them, admittedly a few days late and my 14 day deadline from my prelim runs out on the 25th.

 

The following address seems to be a popular one to use -

 

Customer Advocate Office

MBNA Europe Bank Ltd

Chester Business Park

Chester

CH4 9FB

 

I know Jackster77 rang them on this number - 0800062062

 

and Glav's thread is a good read and mentions a man called Colin Pugh (I've heard his name a few times) who was very helpful from what I can gather. Hope this helps! Good luck with your claim, Dizzy :)

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Having said the above, the only way to prove the letters is to do them recorded (costs about a pound, then a first class stamp)

welcome to the club....

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 Hopeful1 and welcome to the MBNA madhouse.

 

You spoke to me on one of my threads in another section of the forum, Its kind of like bumping into each other in another pub or club isn't it?

I'll keep an eye on your thread and help where I can, I am due to file MCOL with MBNA so I know a bit about what they can be like.

The only email address I know at the moment is Colin Pughs which is

[email protected] although I have just emailed him and received no reply. The phone number I have is 01244 672628.

 

Penny.

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Hi Both

 

:) Standing - You're right, we have to make sure we have proof. I do always use recorded delivery (special del. for REALLY important things), i like to back up with a letter or e-mail because recorded can be so unreliable.

 

:) Thanks for info Dizzy, i'm going to have a look around some more MBNA thread tonight.

 

All quiet on the Western front today.....

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hey Pennypenny!

 

 

I'm just about to grab myself a glass of wine, can i get you anything? :p

 

Thanks for e-mail, as i say it's back up to letters i send.

 

Talk soon no doubt! :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi MBNA have never replied to any letter I have sent them apart from sending an unenforceable agreement for CCA and for the SAR the normal we have not treated this as full SAR letter(they sent 3 years statements none with charges). Having received no response to LBA regarding SAR none compliance. Have filed N1 at court re SAR this week. After receiving their response to CCA a letter was sent saying that the agreement was unenforceable and I will not be paying, all further communication to be in writing. No response re CCA just two threatening letter you are in arrears pay up and 4 phone calls demanding arrears payments, they would not discus agreement just tried to keep going on about arrears, I had to repeat about 5 times "I do not acknowledge any debt to MBNA" before they hung up.

Don't expect to get any none standard letters or sense from MBNA until you are at court stage maybe not even then. I now of a CAG member in same position as me but six month further down the line who still have not had a constructive response from MBNA apart from demands for payment.

 

MBNA's good customer relations are "Do as we say not as we do"

 

all the best will keep watching dpick:mad:

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Oh joy! So not much chance of getting this resolved before the footie season kicks again then? :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Oh joy! So not much chance of getting this resolved before the footie season kicks again then? :D

 

My view exactly :D :D

 

Im looking for an easy route this month, cos im getting my season ticket next week and woe be tied any bank or banking institute that stands in my way :)

 

Dont think they understand how going to Rotherham away on a Thursday night, is soooooooo important :D

 

By the way good luck with your claim :cool:

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Hey Wednesday! Unfortunately i'm a bit of an armchair supporter these days. My trouble is i'll watch nearly every game going including Real Madrid and Barcelona...there's no wonder my house is such a mess. Now i've found this site it doesn't stand a chance!

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Off topic, but there will be a cracker of match, first week of season, live on Sky, 16 Aug. You can keep your Real Madrid and Barca, this will be a magical feast of the highest quality of footy, the kind of game you reminis (sp?) about for years to follow ;):D

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Was going to sign off Wednesday but had to check Sky schedule 1st. You're right, i never thought i would live to see such a game on Sky. I shall make a note in my diary! I shall be rooting for Rotherham just for you :D

 

My hubby calls me his football chick and appreciates not being nagged to turn the game off. I will finish now before i get carried away and digress too much from money!!

 

Will be in touch ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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DOH! :D No offence intended!

 

All quiet on the MBNA front today. Thankfully they do not have 'phone numbers :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Just a quick update: MBNA are in default with CCA and not far away from going into the criminal zone. They've also missed the deadline for the S.A.R request and ignored my request for their complaints procedure (no surprise there, hey? :rolleyes: )

 

I have decided that it is time to send another letter re non compliance of CCA, seen as how they've the cheek to send a letter demanding payment. Some lucky person is going to be having regular e-mail contact with me. I am now reaching the stage of agitation with all these OCs and DCAs who just can't be bothered to respond politely to anything. Enough is enough.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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You best check my threads in the MBNA section.... You might as well get comfy, cos they dont play ball very well. Took me4.5 mths to get a 'decent' response out of them, but still not satifying the CCA request! Charging interest and requesting payments all the time, threatening DCA etc. They have logged two missed payments on my credit file now too. Joy oh Joy!

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Just a quick update: MBNA are in default with CCA and not far away from going into the criminal zone. They've also missed the deadline for the S.A.R request and ignored my request for their complaints procedure (no surprise there, hey? :rolleyes: )

 

I have decided that it is time to send another letter re non compliance of CCA, seen as how they've the cheek to send a letter demanding payment. Some lucky person is going to be having regular e-mail contact with me. I am now reaching the stage of agitation with all these OCs and DCAs who just can't be bothered to respond politely to anything. Enough is enough.

 

Hi there every time I get a call from MBNA demanding money I send an email with copy of my last letter (CCA unenforceable go away) and their responce "we are looking into your complaint and will respond by 26th June 2007" advising them I have had no responce only phone calls

 

 

1, [email protected]

2, [email protected]

3, [email protected]

4, [email protected]

5, [email protected]

6, [email protected]

 

each time I get a call each of the above get an email only difference from last emal is subject line "your last call 08.45 on 05/07/07"

 

wait and see now dpick:razz:

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Dpick - that is genius posting all those e-mail ads - thankyou :D I shall put them to good use!

Fortunately they don't have our number, but i shall be e-mailing on a regular basis. I'm guessing that over the years we have paid back what we owe and more. Because of that i am no longer interested in the S.A.R. I am quite happy to pester them until they admit they have no CCA. My main aim will be to get hubby's credit file cleaned up.

 

I shall re-read both yours and fullyskinted's threads to prepare myself from what i am gathering will be a verrrrrrrrrrrrrrrrryyyyyyyyyyyy long battle!

 

Thanks all for posting. It's good to share :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Dpick - that is genius posting all those e-mail ads - thankyou :D I shall put them to good use!

Fortunately they don't have our number, but i shall be e-mailing on a regular basis. I'm guessing that over the years we have paid back what we owe and more. Because of that i am no longer interested in the S.A.R. I am quite happy to pester them until they admit they have no CCA. My main aim will be to get hubby's credit file cleaned up.

 

I shall re-read both yours and fullyskinted's threads to prepare myself from what i am gathering will be a verrrrrrrrrrrrrrrrryyyyyyyyyyyy long battle!

 

Thanks all for posting. It's good to share :D

 

Your be allright I gona have fun Monday if no responce by MBNA to court for SAR I will apply for judgement by default.

 

Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

 

all the best dpick:D :D

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Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

I'm right with you there. The difference it makes to know your legal rights, hey?!

 

Have had a busy night contacting all those who need a kick up the bum. I've sent many an e-mail tonight including to the employees on your wonderful little list.

 

Hopefully i'll be posting some responses here soon :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

 

 

I'm right with you there. The difference it makes to know your legal rights, hey?!

 

Have had a busy night contacting all those who need a kick up the bum. I've sent many an e-mail tonight including to the employees on your wonderful little list.

 

Hopefully i'll be posting some responses here soon :)

 

 

Let me know if you get any returned as not found, I think they may be using a rolling e-mail system(allows them to pick and chose which e-mail addresses are active and which not) I had william wareing returned on Thursday but that worked 6 weeks ago.

 

dpick:p

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QUESTION:

 

Guess who defaulted on S.A.R request a week ago,

is in criminal default with CCA request this week,

is not responding to postal or e-mail correspondence,

and is still sending threatening you must pay now letters?

ANSWERS ON A POSTAGE STAMP PLEASE.

Tut, tut, tut :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Thanks again Wednesday for the link. I had to read it twice to try and get my head around it!

 

I'm giving 'them' another week of harrassment letters and then i shall set the ball rolling with a complaint to TS. They've not even sent statements so that we can see what's been paid, owed or added to the account in the way of charges. It's so frustrating. At the end of the day, i reckon the charges will amount to more than what is owed, so morally i won't think twice abiout just getting it written off.

 

Will update soon :rolleyes:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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