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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

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

      Frankly I don't think that is any accident.

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

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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NEWS RELEASE FROM BOB EGERTON (BOB THE BANKBUSTER)

 

FOR IMMEDIATE RELEASE: 11 January 2008

 

OFT/BANKS TEST CASE TO BE HELD IN SMALL ROOM - OFT SPOKESMAN "DID NOT REALISE" ROOM ONLY BIG ENOUGH FOR 6 MEMBERS OF PUBLIC

 

Next Wednesday 16 January, the OFT and Britain's high street banks are due to meet in a High Court battle which will decide whether or not the banks are operating an unlawful charging regime. The case is of great public interest as it could result in the banks having to repay £20 billion or more to about 10 million customers. It has now been revealed that the case will be heard in a room at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

Bob Egerton, bank charges campaigner, said, "This case is a great embarrassment to the OFT. It has exposed the institutional weakness within the OFT where it is effective at curbing unlawful behaviour by small businesses, but it does not have the stomach for a fight against the big corporations like the banks. By holding the case in such a small room, no member of the public will be able to sit through the whole case; and much of Britain's media will be excluded. The OFT is no doubt hoping that the case will receive little press coverage and that it will all quietly fizzle out. However, I and the many other campaigners will ensure that this issue does not die. We will continue to fight the banks over this issue whatever the outcome of a meeting in a tiny room in London."

 

 

Rob Williamson, leader of the case team at the OFT

International Dispute Resolution Centre, who can confirm the details of the room, 020 7936 7000

IDRC - Dispute Resolution, Arbitration, Mediation & Conferencing Facilities

 

 

More news and proposed action to follow!

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In order to bring to the attetion on the media about the unfairness of having limited space for public and press, Penfold has come up with an e-mail which needs to be sent by as many people to the press.

 

Newspaper contact emails:

 

The Times - [email protected]

 

Sky - [email protected]

 

The Sun - [email protected]

 

The Mirror - [email protected]

 

The Telegraph - [email protected]

Not sure that is right, but it is a correct email anyway…

 

The People - [email protected]

 

ITV - [email protected]

 

Something on the BBC website: BBC NEWS | Business | Key test for bank overdraft fees

 

Watchdog - [email protected]

 

That’s a start others can add on this thread…Do we want to do this straight away or wait until the Petition is online???

 

Prabs (Penfold)

 

something like tjhis should be easy enough for everyone to send off...

 

Dear Sir or Madam,

 

I would like you to be aware of something that came to my attention yesterday that gives me great concern. It has come to my attention that even though this Court case was due to be heard at the High Court it is in fact being held at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

As a Press Member with National Reach I hope you will investigate this matter further and publish your findings? It is important that we all ensure Justice will prevail. Since no one person or the media will get the full picture, will the public's interest will be upheld? Surely you appreciate that this matter concerns the majority of people in this Country and is a National Issue. There will be others emailing to express their concerns as we are all concerned that this could be construed as almost behind “closed doors” and therefore potentially not in the interest of the General Public.

 

Yours faithfully,

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I think if the press read sites like Penalty Charges which is Stephen Hone's site they would have been aware of the change in venue on THURSDAY when he posted it on his site. Do you not visit other sites for information?

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I cant believe they actually expect us to believe they did not know where this case was going to be held until the very last minute and also stating that not one person of the public or press will be able to verify the true picture of events from beginning to end due to the size of the room.

 

I believe this a stitch up! The banks have no intention of revealing anything and I for one dont believe the outcome is not going to be for good of the customers who have lost £££'s but for the good of the banks and institutions and alike.

 

What can I say, the ombudsman put out a "stay" on all cases when they could have should been heard and now we are not even going to get the true picture of events!!

 

We as a customer could have and should have had our chances in court and the banks should have been made to reveal their true costs incurred,

that this matter would have been resolved after all not one of the banks intended to argue their case and now they are behind closed doors with limited reporting details of the case.

 

Oh my how they are all rubbing their hands with glee!!!!!

Ladidi

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Im surprised that anyboby is actually surprised.

Money talks at every level.

And with this cartel standing to lose so much, just lift up the edge of your carpet.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thanks guys, I have just sent all mine off to the above newspaper links. If I think of anymore I will copy them in too. Fingers crossed something will happen in our favour.

28-05-2007--Received Schedule of Charges.

03-06-2007--Prelim sent.

12-06-2007--Reply - Thanks but charges lawful!

19-06-2007--Sent L.B.A. & Schedule of Charges

NOTHING RECEIVED AFTER 14 DAYS

05-07-2007--Phoned Halifax to discuss account. Still standing by charges.

13-07-2007--Filed N1 in Hull Court :wink:

20-07-2007--Halifax deemed served.

25-07-2007--Received offer £280 as Full and Final settlement.

27-07-2007--Sent rejection letter recorded delivery

03-08-2007--Rang Hull Court, nothing received from Halifax

04-08-2007--Sent Pre Judgement letter.

10-08-2007--Defence received from Halifax

13-08-2007--Judgement Request sent

24-08-2007--Claim stayed at Hull Court

31-08-2007--Applied for stay to be lifted

12-10-2007--Hearing for removal of stay on 31/10

31-10-2007--Removal of Stay struck out

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I would have thought that with the money that is involved in this case they could have used Wembley Stadium instead of a little room holding just 11 people at the I.D.R.C.........SELV....;)

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with the money that is involved in this case

 

Thats the very reason that they have wangled this.

They REALLY dont want to go public.

 

Its an absolute disgrace, but not one that surprises me.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Emails have gone to everyone of those bar the Sun.

 

Thanks for the template and all of the addresses, hopefully it'll make a few people think about looking into it.

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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missed most of it but apparently Martin Lewis was doing a good job of bringing this to everyones attention ( well those who listen to radio two) by quite rightly having a good rant and rave about this :)

 

jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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The Office of Fair Trading: OFT test case delayed

 

OH, What a surprise !!!!!!!!!!!!!

They have spent an estimated £1million each in preperation for this case.

Nothing like forward planning then.....

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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The trial Judge for the test case cannot be expected to force a jury into returning a verdict JUST because there is an OFT test case, that he has been given to handle, can he?

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Jury ?

 

This will all be concluded by men with a funny handshake.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi Does anyone have any idea how the case is going?

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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OFT test case delayed

 

7/08 15 January 2008

The OFT's test case on unauthorised bank default charges has been delayed.

 

The case was due to begin tomorrow at the International Dispute Resolution Centre, but has now been postponed due to the Judge's prior commitments running over. It is hoped that the case will start before the end of the week.

(hmmmmmmm I just found that press release);)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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the case is starting today at 10.30.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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