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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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RAC Car Warranty


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Hi,

Hope someone out there can help. We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250. Since then we have had various repairs done on her our cost not a problem. However we have since found out that the car needs a new fuel tank due to the swirlpot being broken (I nearly said something else then) this is going to cost £437 + vat to replace. When we rang the RAC they said not their problem if it is not listed in the warranty then it is not covered. We have found that in fact the warranty is literally not worth the paper it is printed on with regards to what it covers.

My question is can we pursue the RAC more fervently because it doesn't list it in the warranty as not being covered. It lists everything else.

Regards:???:

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

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Warranties generally aren't worth the paper they're printed on. A large company like RAC might bend if you complain strongly enough.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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The warranty is probably provided by the finance company but branded or underwritten by RAC.

 

Do you have a link to an online version of the policy book by any chance? If so I'll have a look and see what the warranty is worth.

 

Is the £250 an annual premium or does it cover you for more than a year?

 

Was there any warranty provided by the seller? If so, how long?

 

OC

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Hi.,

 

The warranty was for a 12 month period only.

 

It was to replace a warranty given by the garage we bought her from as they are 120 mile round trip.

 

There may be a copy of it on the website, I have never looked.

 

Thanks for your post.

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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I had an RAC 5 * gold warrantly, really worthless, paid £300 for it, and might as well flushed the money straight down the loo...

 

I had a Ball Joint develop Play (RAC said Wear and Tear) a Power Steering Rack that developed a leak (Wear and tear again) and a Rocker Cover Gasket leak (Not listed in warranty)

 

It was a 528 BMW, total cost of repair £1700, RAC would only eventually pay part after I threatened with court and then it was £515 as that was what they said the parts should cost!... the steering rack alone from BMW was £797 plus vat, I wanted the car back to what it was, it was a BMW rack before, then it should be one going in.

 

In the end gave up and took the £515 and paid the rest... hurt though...!

Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

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  • 1 year later...

The warranty will be provided by Motorway Direct - see the thread here -

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/37016-rac-extended-warranty.html

 

RAC Warranty is a trading style of the Motorway Direct PLC group of companies.

 

MOTORWAY DIRECT PLC

WARRANTY HOUSE

SAVILE STREET EAST

SHEFFIELD

SOUTH YORKSHIRE S4 7UQ

 

I have had some success in getting them to meet their obligations, but it is like getting blood from a stone. You have to knock down their objections one at a time - I think they hope you will go away. I am at the recorded letter stage in my dealing with them this time and have the support of my garage who are amazed at the treatment I am receiving.

 

I note that the RAC seem to have stopped using them. I have been offered a renewal under the "AA Warranty" brand. I am guessing the RAC got worried about negative publicity. They have gone downhill big time since being taken over.

 

Needless to say I will not be renewing. They will try all ways to wheedle out of their obligations. Each time they have made me pay the garage and reclaim, and have never reimbursed the full amount, leaving me out of pocket. If you see a document mentioning "Motorway Direct" from Sheffied - do not touch it.

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I've got a court date in about 4 weeks with an after market warranty company, Warranty Direct, because they refused my fully valid claim on 3 different occasions for 3 different reasons!

 

The last reason was the all inclusive get out clause 'wear and tear,' but they were unaware at the time of making this excuse that the problem with the car was the same problem I had had just 7 months earlier and had all parts replaced brand new!!

 

This just proves, beyond doubt, that these companies use any excuse to not pay out however valid a claim is. It is just robbery.

 

The only good one I've heard of is the AA's which costs just £65. All the rest are just a waste of time.

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I've got a court date in about 4 weeks with an after market warranty company, Warranty Direct, because they refused my fully valid claim on 3 different occasions for 3 different reasons!

 

The last reason was the all inclusive get out clause 'wear and tear,' but they were unaware at the time of making this excuse that the problem with the car was the same problem I had had just 7 months earlier and had all parts replaced brand new!!

 

This just proves, beyond doubt, that these companies use any excuse to not pay out however valid a claim is. It is just robbery.

 

The only good one I've heard of is the AA's which costs just £65. All the rest are just a waste of time.

 

 

Be careful - I have just been offered a renewal of the RAC Warranty that I am having trouble with - Provided now by (You've guessed it) Motorway Direct. The warranty was initially sold as Warranty Direct who I believe went bust.

 

Check whether your policy is a badged product from Motorway Direct, Warranty House. Sheffield. I'm not certain but I think it is all the same company.

 

Good luck with the case. I'll be interested to hear how it goes. They tried the "Wear and Tear" thing with me until I pointed out it was replaced 15000 miles ago with the manufacturers own parts so couldn't be "wear and tear".

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Be careful - I have just been offered a renewal of the RAC Warranty that I am having trouble with - Provided now by (You've guessed it) Motorway Direct. The warranty was initially sold as Warranty Direct who I believe went bust.

 

Check whether your policy is a badged product from Motorway Direct, Warranty House. Sheffield. I'm not certain but I think it is all the same company.

 

Good luck with the case. I'll be interested to hear how it goes. They tried the "Wear and Tear" thing with me until I pointed out it was replaced 15000 miles ago with the manufacturers own parts so couldn't be "wear and tear".

 

Thanks for that.

Warranty Direct are based in Reading but I'm sueing the underwriters.

 

I'll post up the result of the hearing in a month or so.

 

It amazed me when they used the wear and tear clause when the parts were almost brand new! Bunch of clowns.

 

But it is true what everybody says-they will try anything to not pay but I've caught them red handed.

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  • 10 months later...

I’ve just tried to contact RAC Warranty using the tel numbers from the letter confirming my cover March 08. Not one of the numbers are live, claims line, customer service, H/O all dead numbers – Not to be beaten went on line and guess what? ‘page not found’

And, last week the cheeky sods tried to get me to renew, there and then, with fairly high pressure tactics – the sales guy couldn’t confirm if a the local Jag dealer or a local specialist were on his approved list if I needed to make a claim – when I asked him to go off and check he got shirty and asked ME to call RAC customer services and ask. When I told him where to go on that one, he agreed to go and find out himself and call me back – he didn’t.

Waste of money in my opinion!

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Hi,

We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250.

 

The warranty was for a 12 month period only.

 

Forgive me if I am mistaken, but surely the warranty would have expired by now?

 

 

MOTORWAY DIRECT PLC

WARRANTY HOUSE

SAVILE STREET EAST

SHEFFIELD

SOUTH YORKSHIRE S4 7UQ

 

I note that the RAC seem to have stopped using them. I have been offered a renewal under the "AA Warranty" brand. I am guessing the RAC got worried about negative publicity. They have gone downhill big time since being taken over.

 

Actually, my understanding is that it was the other way round - when theywere awarded the AA Warranty franchise a couple of years ago. The name RAC Warranty is now licenced to a separate company called The Warranty Group.

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no the car was still in warranty when the original post was made! This is from June 2006. A very old post

Edited by Yellow160
wrong month

The views expressed on this website are mine alone and don't reflect the views of my employer!

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  • 5 months later...
  • 4 months later...

It is very interesting reading all the comments about the RAC Warranties and the complaints that have been made. All these complaints about unpaid claims go back prior to December 2007. Which was when the RAC changed suppliers of warranty services and underwriting.

 

Approximately 12 months prior to this date RAC and Motorway Direct who was the Administrator and underwriter parted company. The RAC were without a Warranty supplier for approximately 12 months.

 

All the complaints that we are reading about here are from warranties supplied by Motorway Direct.

 

Weird Al Yankovic states the only one worth having is the AA! Guess what!! who do you think supplies the AA! Correct! Motorway Direct.

 

Furthermore has any one noticed that there has not been any complaints about the current RAC Warranty Administrator/Underwriter The Warranty Group?

 

The only one is that the Car shop tried to sell them an RAC Warranty, well that is their job, although pressure selling is not a good thing you should be allowed to think about it!

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  • 1 month later...
Hi,

Hope someone out there can help. We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250. Since then we have had various repairs done on her our cost not a problem. However we have since found out that the car needs a new fuel tank due to the swirlpot being broken (I nearly said something else then) this is going to cost £437 + vat to replace. When we rang the RAC they said not their problem if it is not listed in the warranty then it is not covered. We have found that in fact the warranty is literally not worth the paper it is printed on with regards to what it covers.

My question is can we pursue the RAC more fervently because it doesn't list it in the warranty as not being covered. It lists everything else.

Regards:???:

 

I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

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I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

 

Then it sounds to me like people are being 'mis-sold' RAC Warranties.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

 

So why is it that at lease 50% of claims are dismissed as wear and tear, and I'm not talking about brake pads and exhaust, but broken bearings etc; on low mileage cars?

 

They are a cheap and generally useless get out for dealers who 'sell' them knowing the buyers will forget about the soga.

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  • 2 weeks later...
So why is it that at lease 50% of claims are dismissed as wear and tear, and I'm not talking about brake pads and exhaust, but broken bearings etc; on low mileage cars?

 

They are a cheap and generally useless get out for dealers who 'sell' them knowing the buyers will forget about the soga.

 

Cuz if you're in the know.. a noisy bearing isnt a failed bearing, its actually worn, it doesnt matter on the mileage, if its noisy, singing, howling...its worn, wear and tear isnt covered by the warranty.

 

If the bearing suddenly collapsed (sudden and unforseen failure is what your warrantry protects you against) it would be covered.

 

You obviously havent read the t+c's :cool:

 

People always think that cuz they have a warranty, its covered. Dont forget it depends on the level of cover you have.

 

We get feedback once a month, and we actually pay out 80% of claims, so im guessing the 50% of wear and tear is 50% of the 20% of claims that are rejected. If its a valid claim we will pay, if not, we wont...simple;)

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Cuz if you're in the know.. a noisy bearing isnt a failed bearing, its actually worn, it doesnt matter on the mileage, if its noisy, singing, howling...its worn, wear and tear isnt covered by the warranty.

 

If the bearing suddenly collapsed (sudden and unforseen failure is what your warrantry protects you against) it would be covered.

 

You obviously havent read the t+c's :cool:

 

People always think that cuz they have a warranty, its covered. Dont forget it depends on the level of cover you have.

 

We get feedback once a month, and we actually pay out 80% of claims, so im guessing the 50% of wear and tear is 50% of the 20% of claims that are rejected. If its a valid claim we will pay, if not, we wont...simple;)

 

Is a degree in Mechanical engineering and 40 years in the business enough in the 'know' ???

 

This isn't just about insurance issued with an RAC badge on it, it is about all these so called warranties.

 

I have personally challenged the 'so-called' inspectors that turn up on a number of occasions when they have put down 'wear and tear', and all of my challenges were successfull, which I put down to the letters after my name and them not being able to fob me off.

 

As you brought up bearings (and mileage does count), have a read of this post and the warranty companies denial of liability.

 

http://www.consumeractiongroup.co.uk/forum/garage-services/187794-gearbox-bearing-failure-warranty.html

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Sorry, you are wrong. A bearing that is grumbling at 10k is not worn, it has suffered 'premature failure'.

If it is a taper roller then there might be some adjustment otherwise it has failed and should be replaced under warranty.

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