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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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        • Like

Mint cc PPI reclaim


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Hi

I am new to this site and I wonder if anyone has had any success in reclaiming credit card ppi from RBS Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancy, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the FOS together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.

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Hi

I am new to this site and I wonder if anyone has had any success in reclaiming credit card ppi from RBS Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancy, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the FOS together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.

 

I claimed against Direct Line Financial Services/RBS on loans back to 1997/1998. 7 loans. Complained to the FOS in Aug 08 settlment in Dec 08.

 

It will more than likely be months rather than weeks before the FOS Make an adjudication. The good thing is they are upholding 90% of claims in favour of the claimant.

 

You can always call the FOS to ask for an update on you complaint.

 

The FOS have taken on more staff, but the massive increase in complaints will mean you will still have to wait for quite a while.

 

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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Thanks alanalana, I will give it another month or so before calling the FOS. I am determined to go through with this one to the end. In the case of Capital One, my first cc ppi reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interest. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.

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Thanks alanalana, I will give it another month or so before calling the FOS. I am determined to go through with this one to the end. In the case of Capital One, my first cc ppi reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interest. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.

 

Please have a look through my long fight with RBS.

 

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

 

If there is anything in here you can use, letters etc please feel free but please ensure you change the details to suit your own claim ;)

 

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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  • 1 month later...

Will do Gamba. I e-mailed the FOS for further information and they sent me a reply that I paraphrased in another thread a short while ago to the effect that RBS had raised a question of jurisdiction and that this would be looked into by the FOS. They then sent me a letter saying again that they had a lot of cases to look into so could not pass on my case to an adjudicator at this time but would contact me again certainly within the next 2 months. This was nearly a month ago so am still waiting. Good luck with your cases.

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sorry i haven't used this site since i claimed back my bank charges a couple of years ago and i dont seem to be able to start a thread.so i've dived in hear .sooo sorry. i want to claim back my ppi but i havent got the original agreements do i just ring up and ask for them or will i have to write to them also will they be funny about it ,i still have accounts with most of the banks i'll be claiming off .i pretty much know the exact dates i held all the accounts as i have sent for my credit reports off experian and equifax.again sorry for jumping in here!:???::???::???:

:D
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Hi Mo2lly

 

I think I replied to your other thread as RBS raised a jurisdiction issue with my complaint as well.

 

I emailed FOS as I hadnt heard anything from them and they said that they had written to RBS not agreeing with the jurisdiction issue (being that it was over 6 years ago) on the 15 December and RBS had not replied - therefore they would be going ahead with the adjudication process.

 

I was pretty sure that the jurisdiction issue would not be a problem as I have successfully won (through the FOS) refunds on 2 Lombard Loans (owned by RBS) going back to the mid 1990's.

 

It seems that RBS and all the others are just deploying delaying tactics - they know that they will lose but just want to string it along for a while to make it as hard as possible for the complainant.

 

It my case RBS replied to my first letter to them stating that I had never had ppi on my cc account and therefore no refund was due. When I supplied all the statements (I keep almost everything luckily) they then said that I couldnt claim it back because it was over 6 years ago and that the FOS wouldnt take the complaint on because of this. Not the case, FOS were more than happy to take it on. So dont believe a word they say - if they can make one person back down and abandon their claim because of their lies they will.

 

There doesnt seem to be any time scales that you can put on complaints being dealt with by the FOS - I have several complaint in at the moment, about 3 of which were submitted to the FOS in August - they have upheld 2 (1 refund received, 1 upheld but not received refund yet) and the other is still to be dealt with.

 

I hope you get some answers soon - keep emailing the FOS, and remember patience is a virtue (not that we have any other choice!!!)

 

Good luck and I hope this has been a little bit of help to you.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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mongbiff

 

Sorry I wasnt ignoring you, but you would be far better to start your own thread, as your post will probably get lost in someone elses and not answered as effectively as if you have your own thread.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Thanks Tink for the information about your own experience with the FOS on this. It is encouraging to hear that they have rejected RBS on the jurisdiction issue as this should be the case with my own complaint which also dates back to 1999. I have no intention of giving in on this easily as I feel I already missed the boat once before when I accepted an offer from Capital One a few months ago for a goodwill payment (I was desperate for the money at the time) and so I determined to push this one to the end. Hope you hear good news about your outstanding case with RBS soon.

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I second that. I have not heard of anyone who has been successful against RBS on credit cards. I asked them why they are paying out on loans that date back to the 1990s and they said because any discussion on PPI was effectively a one off in the case of loans whereas with CCs there are monthly statements issued that show the PPI amount.

 

That is their defence I think (along with timescales).

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