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    • 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?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX 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). 4.2  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).  4.3        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.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that 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.  2.2  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  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        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.  3.3 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.  3.4        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 the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   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 a different post code, the PCN shows HA4 0EY while the contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.  Interest 6.2  It is unreasonable for the Claimant to delay litigation for Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  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. 29. 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 practise 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.” 30. 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 recoverable 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...'' 31. 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. 7.7        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.  7.8        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. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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Delly v`s MBNA


dellydaisy
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Hello all

just to tell everyone im at my first stage of me v mbna,

DPA sent 07/06/2006

Just got the standard letter back saying thanks for the contact about your complaint we will respomd in 28 days.... blah blah in the meantime phone gareth tuncliffe......

I,ll keep you all posted when i heart any more!!!

Good luck everyone!!!

Delly

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Thanks!!!! :)

 

 

Keep me updated on your progress!!!!

 

I feel very determined about this!!!!

 

 

Delly x

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Hi Delly,

 

Good luck to you in your claim, although I'm sure you won't need it!

 

My claim against MBNA took four months to be settled, but in my recent dealings with them, I detect they recognise the inevitability of the legality of your claim.

 

You must make sure they realise, however, that you won't be fobbed off.

 

Like all banks, they rely on you accepting their authority, without question.

 

If you do query the legality of their actions, they are unable to do anything but re-iterate their tired ( and unlawful!) old terms and conditions.

 

Use the arguments scattered throughout this site to refute everything they throw at you, but above all, be tenacious and DON'T GIVE UP!

 

Best wishes,

  • Confused 1

Phil

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Thanks for that

 

Im sure i,ll be using here for moral support as i do find banks intimidating!!!

 

Just out of interest how long does MBNA take to respond to the dpa???

 

And are the statements set out clearly??

 

Cheers everyone!!!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Just out of interest how long does MBNA take to respond to the Data Protection Act???

 

And are the statements set out clearly??

 

Cheers everyone!!!

 

Hi Delly!

 

In my case, it took MBNA 36 days before they sent my statements to the wrong address, but my original Data Protection Act was back in February, when this sort of request was quite new to them.

 

Since then they seem to have got themselves a bit better organised, so I would give them about a fortnight before a gentle reminder.

 

Can't put my hand on my MBNA statements at the moment (they're buried amongst all the stuff from the other banks I'm annoying), but they must have been fairly straightforward for me to understand them!

 

cheers

Phil

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Your a star cheers

Cheers phillip!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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They might just send you a list of charges, either way you'll still have the details at hand to begin your claim for the repayment of them.

 

Any problems please ask, there's plenty of help available on here!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Thanks for the help!!

 

Still not heard anything yet, but I guess there busy as the word about this terrific site spreads!!!!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Keep going! They offered me my full claim today.

 

Thats great!!!! Well done!!!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Share on other sites

Hi all

 

sory to bother anyone i know this questions probibily been asked at least 5 times already,

Ive yet to hear from mbna they,ve responded to DPA letter with the standard you will hear from us in 28 days etc...

 

there 28 days is looming i sent my DPA off on the 06/06/06 and not heard a thing....

 

Do i just sit tight and wait till 40 days is up or phone and ask??

 

 

Many thanks delly x

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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They took 28 days to send my statements out. I think they are a little overrun at MBNA!

 

I wrote a polite reminder letting them know they had 12 days left to respond and it crossed in post as I got statements the day after I posted my letter.

 

They responded with 14 days to the prelim and my LBA went off today. It looks like they take their responses close to the wire.

 

Good luck in your claim.

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strictly speaking you should just sit tight although a lot of people give them a gentle nudge around day 33 ish so it's your shout really. Some people have tried to give them a gentle nudge and been met with full refunds from that very phone call but then you don't know for sure if what they are telling you is correct.

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Ive still got a few weeks left so i,ll sit tight!!!

Then i,ll be polite!!!! ;)

 

Well as polite as they have ever been...

Thank you!!!!!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Decided to phone mbna yesterday as the 28 day deadline had expired for my statements to be sent what they had set, first i was fobbed off saying things like this take time, so i kindly pointed out that they had exceeded there own deadline.... the bloke became extremely apologetic and has promised to get back to me with an extime of when i should recieve my DPA statements

 

I wont hold my breath just yet!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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well the nudge i gave thursady must have worked

got my list of charghes today and ive added em up to be £1100

 

looks like i,ll be a mbna regular now!!!:D

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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  • 4 weeks later...

Sorry for asking another silly question

 

But i,ll ask away....

 

My deadline to my lba is looming am i best just going straight to money claim or give our mate gareth at mbna a ring??? My total owed is £1400

 

Can anyone suggest anything??

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Somebody else has posted that perhaps we are rushing things too quickly with MBNA. I think he said that at the end of the 14 days following the LBA he'd phoned Gareth, who had promised to ring him back before 5 pm. This he did and a full offer was made. (Or something like that anyway).

 

Really, it depends on how worthwhile is the 8% interest? If it's a goodly lump, carry on with MCOL and get this bonus. If the 8% isn't particularly worth having, give Gareth a ring and try to get your money paid quicker than going down the legal route.

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The deadline is monday for my lba, i know some people did get there interest too through gareth so i might give him a call at the start of the week.

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Hi Delly

Im not phoning them anymore im doing it all by post, my LBAs due to be posted on the 16th August still no reply to my prelim, they also owe me £100 and i was told they would have to hold the cheque for 'security reasons', typical of these clowns.

Good luck in whatever you choose to do!

Regards

adamski

 

 

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Somebody else has posted that perhaps we are rushing things too quickly with MBNA. I think he said that at the end of the 14 days following the LBA he'd phoned Gareth, who had promised to ring him back before 5 pm. This he did and a full offer was made. (Or something like that anyway).

 

Really, it depends on how worthwhile is the 8% interest? If it's a goodly lump, carry on with MCOL and get this bonus. If the 8% isn't particularly worth having, give Gareth a ring and try to get your money paid quicker than going down the legal route.

 

Hi Delly,

 

Been very busy of late, but haven't forgotten the Forum, or your claim.

 

I agree entirely with the above observation.

 

It may be worth speaking to Gareth, but make sure that he is left in no doubt that you will pursue MBNA through the courts, unless they satisfy your claim in full. Be polite (I don't think he's a bad lad) but let him see you are convinced that right is on your side, and that you will not hesitate to use the power of the court to confirm it.

 

If he does offer to repay all your charges, ask him about the interest MBNA charged, on the charges.

 

Tell him that if they do not repay that interest, then you will sue them, and that you are confident that the judge will grant you, at least, the statutory 8%.

 

Plus, it will cost them your £120 court fee.

 

Good luck, and give Gareth my regards (perhaps not!!!)

Phil

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Hi Delly,

 

Been very busy of late, but haven't forgotten the Forum, or your claim.

 

I agree entirely with the above observation.

 

It may be worth speaking to Gareth, but make sure that he is left in no doubt that you will pursue MBNA through the courts, unless they satisfy your claim in full. Be polite (I don't think he's a bad lad) but let him see you are convinced that right is on your side, and that you will not hesitate to use the power of the court to confirm it.

 

If he does offer to repay all your charges, ask him about the interest MBNA charged, on the charges.

 

 

Tell him that if they do not repay that interest, then you will sue them, and that you are confident that the judge will grant you, at least, the statutory 8%.

 

Plus, it will cost them your £120 court fee.

 

Good luck, and give Gareth my regards (perhaps not!!!)

 

Ditto !

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Well phoned them gareth wasnt able to talk to me (bet the guys in need of a hol)

Spoke to a rachel claridge after spending 5 minutes trying to find out if i had waited MBNA`s standard 28 days, rachel also told me because i hadnt recieved a reply to my LBA that theres a chance they hadnt recieved it, I made it clear that all my mail had been sent by recorded delivery and followed up by an email too, so the chances are slim.

 

I also told rachel that if i hadnt heard from gareth by tomorrow (by telephone) with good news (full amount owed) I would just carry on with my moneyclaim online.

 

So who knows what will happen!!!!!

 

Im so near yet so far....

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Oh good point about about the interest i,ll make sure its mentioned too

Thanks for that!!!

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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