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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Total MBNA confusion....


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Hi everyone...

I am totally out of my depth with this one... it is on behalf of a friend. I will post regularly with any updates and hope that loads of my knowledgable friends will subscribe and help us along the way:

 

I have a very good friend whose partner is suffering with a very rare and it appears un-cureable illness. He went from being having his own limited company to being home "on the sick" in a matter of weeks. He had no time to prepare and was not able to sort his finances out in time, consequently he has been fighting with all the various companies he owes money to for the past couple of years... some are a lot easier than others.

MBNA is one of the challenges.. I am trying to help, if I can. Fortunately he had PPI insurance with them, so you would think that they should have been easy !!! If only... after various months of wrangling with their insurance dept, in January of this year he received a letter from them, saying they were paying a lump sum into his account, which would cover the account until September of this year and he knew that the amount they stated would clear the account in full............. excellent they thought, that's one less problem to deal with.

However, out of the blue about 6 weeks ago they received a letter from MBNA stating that he owed over one and half thousand pounds and it was seriously overdue (you know the sort of letter, "let us try to help you, contact us and we can help you sort this out") He was puzzled but not overly concerned, as this must be a mistake. Apparantly not... To cut a very long story short they phone him and write to him regularly and they are adamant that he does owe them this money. Even though the money was paid into the account at the begining of the year, it was to cover until September and he still owed them the monthly interest and PPI payments.

He had not received one statement from them this year..... when he queried that, they said that their was a postal block on his address as they had been informed that he was not living there any more, even though they have his mobile number (which has been the same for some years) and have not tried to speak to him once about this. Funny how the letter demanding repayment arrived at his address though!

We sent a SAR to them at the begining of July, clearly stating that we did not just want a list of charges, we wanted the whole of the account information. Typically they just sent the list of charges. So when we queried this they sent another form to him, for ID (which we had already sent) and asked for the cheque all over again. I wanted to persue the 40 days from the first letter, but my friends decided to start the process again. We are on approx day 30 I think now of waiting for this information to come through.

The card is about 6 years old, and was initially a card opened up in a super market.

I dont think that the charges (even including the interest( will cover the debt. Besides that, I dont think that the debt should even exist, so if we decide to persue charges it will be nice for my friend to be able to have a windfall, rather than just a clear account.

I will keep you posted as things develop. I just wanted to start the story off and hopefully some of you will subscribe to my thread and be ready to give some valuable and much needed advice shortly.

Should we CCA them yet? or leave that for a little while? Also, should you receive terms and conditions for the PPI in the SAR? That would make very relevant and interesting reading I think.

Thank you all in advance

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 grief, what a terrible thing your friend is having to deal with this, when he obviously has far more important things to think about.

 

I just thought all the way through that a complaint needs to be made. I would send for the CCA straight away. As soon as they don't comply, i'd make an offical complaint to them and then to all the relevant authorities. I am sure he would be supported because of the circumstances, it really is inhumane for them to harrass a person with such serious health issues.

 

Had he kept all the correspondence related to the PPI? I would imagine the PPI info would be with the agreement (what agreement i hear you cry). To be honest, in this situation, i would throw morals to the ground - no CCA = definitely no pay.

 

:evil:

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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Do you know what type of PPI it is that was taken out?

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 did not know there was more than one sort? What are the examples and I will find out if I can. I beleive that the company was St. Andrews or something very similar

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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MBNA phoned yesterday, my friends reminded them that they were waiting for SAR information and were not prepared to do anything with this account until this information arrived. The operator that phoned was not helpful towards them at all, although she did confirm that the SAR request had been received. My friend also told them that they were going to need more information too, and intend to request their CCA for this account. The operator asked why! Then the operator said that as they were not going to make a payment there was nothing she could do and the debt was going to be sold on....

Should we wait until the debt is sold on or should we send a CCA now?

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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It doesn't really matter, as when the debt is sold when you send the CCA request they just pass your request to the original creditor anyway. MBNA are pretty poor at keeping copies of the agreement anyway.

 

Link to PPI types is here http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

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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  • 2 weeks later...

The original SAR was sent off for on 4th July, so they are well and truly in default now. A letter arrived from MBNA a day or so ago, stating that unless a payment was made immediatly the debt was to be passed on.

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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As we all know, you have to keep at 'em. It's not what your friends want at the moment though is it? I think the main point is, if your friend opened the card in a supermarket it is unlikely MBNA have a proper agreement. They will know this, but i think they just test the water with customers to see how persistant they are.

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...

Small update.....

 

CCA request sent last Tuesday (4th September) today is the 12th..... No reply there yet.....

SAR details still not received, posted recorded 21.7.07, so that is in default now since the end of August.

 

Today a letter received, very stiff paper Pink and Red warning signs all over it, explaining they are preparing to take this matter to court so please phone this number and acknowledge, also have your debit card handy! Also letter stating that Debt collectors may get involved that will not be nearly as nice and helpful as MBNA,

 

 

What should our next step be?

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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A copy of MBNA complaints procedure please.

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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SAR stuff arrived yesterday, CCA looks like an application form to me. I will scan it when I am back to work next Wednesday. but get this! He clearly ticked the box saying NO to PPI !!! So they took the monthly payments, they paid up on the claim, yet it wasn't requested!!!

 

on Tuesday we are going to go through all this paperwork with a fine tooth comb,

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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S.A.R - (Subject Access Request) stuff arrived yesterday, CCA looks like an application form to me. I will scan it when I am back to work next Wednesday. but get this! He clearly ticked the box saying NO to PPI !!! So they took the monthly payments, they paid up on the claim, yet it wasn't requested!!!

 

on Tuesday we are going to go through all this paperwork with a fine tooth comb,

 

Hi Mrs Standing! Yep, exactly the same scenario for me - amazing what they think they can get away with. My CCA was just a single side of an Application Form and no prescribed terms/conditions/interest etc etc!

with the insurance box clearly with an X in the no box! Go for it!

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What am I mulling over is....... if we calculate via one of the spreadsheets every penny paid to MBNA via PPI, with contractural interest.. this should add up to be a tidy sum....then claim this money back MINUS the payment MBNA have already made?? does that make sense or is it ridiculous?

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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Because they charge interest on the monthly balance, which includes PPI insurance.... I am happy to be corrected here though

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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The trouble is that would be classified as mutuality and reciprocity - that was the basis of http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html which he lost. If you read on in the thread you will find other grounds, in particular unjust enrichment. Advice is to go for that. GaryH posted some excellent stuff earlier on today - (post #361 on that thread)

 

 

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Thank you Steven. I will spend some time this evening looking over that thread..

Have had a good look through the CCA and it is not, it is definately an application, no credit limit, no interest rate etc.

The SAR stuff is quite tricky, cos they have not sent any statements at all, therefore it is impossible to find out what the balance was when PPI was paid into the account, MBNA phoned yesterday and my friend has asked for the statements as well, to be fair he only needs the last 18 months or so, the rest is quite clear from the spreadsheet of transactions.

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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MBNA phoned yesterday saying the account is due to be defaulted at the end of the month..... we have asked again for CCA as only received application form, also asked for last 24 statements cos none were received and we need the breakdown of where this debt has come from... Strange thing is my friend informed MBNA they were taping the call, but the background noise was horrific, a pulsing noise rather like when a mobile phone signal is in the background, makes the recording rather hard to listen to in parts, was wondering if this was deliberate?

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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  • 1 month later...

statements still have not arrived. but today a letter was received from a DCA. my friends phoned them up and explained that this account was in dispute... the DCA chap was very pleasant (!!) and agreed that this was far from straightforward. He has been in contact with MBNA and has again arranged for the statements to be sent through to my friends... He also agreed with my friends comment, that on the face of it, this would be laughed out of court!!!!

 

I thought it might be a good idea if we SAR'd the Insurance company, St. Andrews.... what do you think?

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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