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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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Help - Goldfish credit card PPI - Who to write to?


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Hi

 

I had a Goldfish credit card up to approx 2007 and I want to reclaim PPI as I was self-employed.

 

It seems Goldfish as it was doesn't exist anymore and was sold to Barclaycard I think.

 

Do I submit my claim to Barclaycard for Goldfish related claims?

 

Thanks

 

Citybloke

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Hi city

 

 

Your claim would be with Discovery Financial Sevices, which was spun off by Morgan Stanley

 

Discover Financial Services

 

This explains the history of Goldfish,

 

Barclays buys troubled Goldfish as US firm says the UK is too tough | Business | The Guardian

 

I suppose you could contact Barclaycard and see what they say, they bought Goldfish in 2008.

Edited by rebel11
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your complaint should be addressed to the company who miss sold the product, not the current owner of Goldfish. I suggest you send a SAR to the current owners of Goldfish who I believe is Barclays, this should provide you with a copy of your original credit agreement, which should show the date your account was opened.

 

You will then be able to work out who owned Goldfish when you opened the account, and therefore who to complain to :D

 

sorry if this sounds like you are going around the houses, but if you determine now exactley who to complain to it will save you time in the long run. Otherwise they will just give you the run around.

 

i won against Goldfish 3 years ago, so it can be done :)

 

good luck!

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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Cheers for the advice all.

 

I have all my Goldfish statements, so I know exactly what was taken in PPI and the interest rate on the credit card.

 

I will write to Barclays staking my claim and ask them who I should contact if they say it's not their responsibility.

 

Citybloke

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  • 1 year later...

Had my Goldfish credit card PPI mis-selling complaint upheld by Barclaycard last December and returned signed acceptance form 1st week of December 2011 but still no money!

 

I've phoned Barclaycard a few times now and they say the exact same thing every time, which is they cannot give me any idea on timescales and they have a big backlog.

 

I called the FOS and they said I could make a complaint about this to the FOS, but the FOS would have to give Barclaycard 8 weeks to deal with my complaint.

 

It seems Barclaycard can just take as long as they want!

 

Anyone else had recent issues getting refunds from Barclaycard?

 

Thanks - Citybloke

Edited by citybloke
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Hi ims...was thinking of the LBA route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

 

Do you happen to know how long a case takes to be heard once it has been submitted to the county court? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

 

Cheers

 

Citybloke

 

Hi

 

Lloyds are playing the same game sadly.

 

Maybe an lba would jolt them into coughing up.

 

ims

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Hi ims...was thinking of the LBA route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action.

 

Do you happen to know how long a case takes to be heard once it has been submitted to the county court? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund.

 

Cheers

 

Citybloke

 

Hi

 

I think it would depend on how busy your court is.

 

You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

 

Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interest is mounting up

 

ims

 

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Hi

 

I think it would depend on how busy your court is.

 

You may find that they pay up before getting to court....when you think about it, how could they defend? They have made an offer which, I assume, you have formally accepted, and they haven't paid.

 

Otherwise there's no telling how long you'll wait. The only good thing is that the 8% interest is mounting up

 

ims

 

Still no payment from Barclaycard and they still insist that they cannot give any date or approximate timescale for making my refund when I phoned them again. So as it's now been 2 months since they received my acceptance form, I think it's time to send a LBA. It's not a path i really wanted to or expected to have to go down, but i can't wait indefinitely with their arrogance of not giving me any indication of when i'm likely to receive my refund...not even a rough indication.

 

Citybloke

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  • 2 weeks later...

I was pondering what to do about this non payment of refund from Barclaycard and found the email address for their CEO, so dropped him a polite but firm email stating how long I had been waiting since I returned the offer acceptance letter and that I would have little option other than to go to the county court process as Barclaycard have stated they are not willing/unable to give me any indication of when i would receive the refund.

 

2 days later.....money paid direct to my bank account!! a coincedence i wonder or did they get told by the CEOs office to sort it!

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Hi Citybloke

 

I am in a similar position to you, had a Morgan Stanley C.Card, which then went to Goldfish and then onto Barclaycard in 2007.

 

Just about to start my claim to re-coup my PPI payments; being told by Barclaycard nothing to do with them, I need to contact AXA Insurers directly.

 

I know my claim is with Barclays, not AXA, wondering if you had any of this nonsense from Barclaycad.

 

Heartening to hear of your success, well done.

 

Bubbsie

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