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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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:|has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.

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cough :D

 

I have been searching the site for GU info.

 

Sorry unable to find any links. It seems you have PPI issues on a catalogue seller. Do you have the Consumer Credit Agreement applicable and the other relevant documentation such as the terms and conditions with the prescribed terms listed?

 

This would be the starting point in any claim to get mis-sold PPI refunded.

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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From companies house

 

Name & Registered Office:

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

Company No. 02259511

 

Previous Names: Date of change Previous Name 26/07/2000 KAYS MAIL ORDER LTD. 25/07/2001 GUS LIMITED 14/11/1988 STABLEGAUGE LIMITED 15/03/2001 REALITY NET SOLUTIONS LIMITED

 

And you were correct this is the address as listed for GU in the FSA register

 

Basic details for:

 

406512 - Shop Direct Group Limited

 

Current status: Appointed Representative - Former Effective Date: 14/01/2005 Tied Agent:

Undertakes Insurance Mediation: Y

Registered under Money Laundering Regulations:

 

Address: 19th Floor

Arndale House

Manchester

Lancashire

M60 6EQ

Phone: 44 0161 615 1615

Fax: 44 0161 636 7478

Email:

Website: www.shopdg.com

 

 

Contact(s) responsible for insurance mediation: Mr John Sharkey

 

Hope this helps in you claim.

 

aa

Edited by alanalana

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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This information was a help then :confused::D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Share on other sites

:|has anyone had any succes in reclaiming PPI back from them. At the time I used tis catologue I was in dire financial straits and never read anything properley. I have recently got paperwork out to start my claim for the charges and was horrified to see how much insurance I was paying. No wonder I was not getting anywhere clearing the balance.

 

Hi

I have been trying to get my ppi back from Great Universal. Sent them several letters, including a copy of DWP entitlement to Carers Allowance at the time PPI was applied, but they turned me down flat everytime. They are a tough bunch to crack. They are a member of Shop Direct now.

 

In their final response they said that I couldnt go to the FOS as they werent regulated at the time the insurance was added (I mean sold?!). Went to FOS anyway and they took my case. Still waiting to hear, they are very busy so it takes time.

I dont intend giving up until I have a full refund.

 

Good Luck with your claim.

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Thanks AA I have sent them a prem. letter then will go to FSA I am trying to get my charges back from them and they have ignored my letter altogether so I have handed claim over to FOS I know it will take a long time but they are not above the law.

 

Thank you msowing for your interest and good luck with your claim

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This is the result of a FSA register search on Great Universal...

 

Littlewoods Home Shopping Ltd L70 1AB Abound, Additions, Choice, Choice 4 You, Great Universal, Great Universal Essentials... Appointed Representative - Former

Shop Direct Group Limited M60 6EQ Abound, Additions Direct, Choice, Choice For You, Great Universal Essentials, Great Universal Stores... Appointed Representative - Former

Shop Direct Group Ltd M60 6EQ Gus Home Shopping LimitedChoice, Family Album, Fashion Extra, Great Universal, Gus Home Shopping, John England... Introducer A.R. - Former

Shop Direct Home Shopping Ltd L70 1AB Littlewoods Home Shopping Limited, Littlewoods Shop Direct Home Shopping...Abound, Additions, Choice, Choice For You, Great Universal, Great Universal Essentials... Introducer A.R.

 

This is the FSA register website to enable you to do your own searches...

 

http://www.fsa.gov.uk/register/firmSearchForm.do

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Share on other sites

thank you once again for al your help, I will keep you informed of any progress.

 

Do not let the issue fade away. Keep up the pressure, Post when you have to and stay focused on the fact you want you cash back ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Share on other sites

  • 1 month later...

Hi hilaryfrances.

 

You heard anything regarding your ppi claim from Great Universal?

 

Im gutted!!! FOS turned me down they wont look at the claim because it was before 2003 [i have waited over 6 months for their decision]. So I guess Great Universal win and get to keep my £800+.

 

Hope yours is going better than mine

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  • 2 weeks later...

Hi MSOWING,

 

Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?

 

I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.

 

Not got anything back yet (although my cheque was cashed 30th Nov).

 

I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.

 

Did you send your correspandence to: -

 

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

Any thoughts/comments appreciated. Cheers

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Hi MSOWING,

 

Sorry to hear your unfair loss against Great Universal. What is the time limit for PPI mis-selling?

 

I wrote to them beginning of November asking for a list of all insurance charges (account cover plus) added to my account because I didn't know the dates they were charged to my account - which I needed for my prelimanary letter.

 

Not got anything back yet (although my cheque was cashed 30th Nov).

 

I have only just finished paying the account off but it was once a very high amount & I suspect the account cover plus was not helping.

 

Did you send your correspandence to: -

 

THE GREAT UNIVERSAL STORES LIMITED

LANDMARK HOUSE

EXPERIAN WAY

NG2 BUSINESS PARK

NOTTINGHAM

UNITED KINGDOM

NG80 1ZZ

 

Any thoughts/comments appreciated. Cheers

 

Hi Fletch

 

Did you send SAR? If so they have 40 days to reply [thats from time they received request not from when they cashed cheque. Did yoy send it Recorded Delivery?] I think its time to report them to the Information Commisions Office {I think thats where you complain about non compliance]. I think you also need to send Great Universal a reminder letter.

I dont think there is a time limit on when you can reclaim PPI although if it was sold before 2003 FOS wont look at it as I have found out. However the FOS have now said that they are looking into the underwriters of the insurance so maybe all is not lost yet and I will be taking them to small claims court if the underwriters say no also.

BTW I wrote to Aintree Innovation Centre,Liverpool not Nottingham

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Hi Msowing, many thanks for your quick reply. I sent my letter standard 1st class and it read: -

 

"I am writing to request a fully comprehensive list of all the insurance charges added to my account with Great Universal. If you are unable to provide this data, I will accept copies of my statements. I understand that statements on their own are not covered by the Data Protection Act, yet I’m not requesting the statements per se, but the charges, which I’m entitled to.

I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not I shall seek remedy from the Information Commissioner."

So I have sent a chaser today & will also send a copy to the Liverpool address - I think it was around 2003 so will be interested to find out exactly when it was.

Will keep you posted as & when I hear any further developments and all the best with FOS or small claims court.

Cheers!

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