Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like
  • Recommended Topics

Personal Injury Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4652 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I'm looking for advice on a personal injury claim.....not sure if I am posting in the right place though.

 

Had an accident just over two and a half years ago.....very old man missed the stop sign on a dark and wet night and crashed into my nearside.....third party immediately accepted liability. My knee was damaged and I had whiplash. I initially saw a G.P through the solicitors dealing with the case but because of ongoing symptoms was referred via a medical agency to see an 'expert witness'. His report wasn't exceptionally helpful in that he said that I had a pre-existing neck condition.....cervical spondylosis - had never been diagnosed or seen a doctor for this except 10 years earlier had some neck pain and my G.P referred me for physio.....never had problems again after this. Told by my doc that anyone my age would have cervical spondylosis of varying degrees but usually symptom free.

The cartilage in my knee was badly damaged and later resulted in surgery.....I now have osteoarthritis but this doc also put that down to my age even though he entirely agreed the cartilage damage was caused by the accident.

 

Solicitor advised that we should seek an opinion from another expert but this was even more unhelpful......he kept me waiting for an hour and a half.....saw me for 6 minutes and wrote a report stating that my injuries were not due to a car accident but rather to my being overweight.

 

Solicitor advised me to stick with the first expert witnesses report and try to settle on that. Didn't agree but she gave me no option as she said if we pursued it they may not be able to recover their fees. She said she thought she could get it agreed that I would not have to pay for the second report (£650.00) as it was biased and he was obviously prejudice against overweight people.

 

Settlement was agreed several weeks ago and I have been waiting for the cheque which just arrived. The solicitor sent me a breakdown of the settlement a month ago but the accompanying letter sent with the cheque states that I have had to pay for the second report.....this has been taken out of the settlement before it was sent to me. She said in her letter that she had "attempted to obtain a credit against the report but the only compromise was a reduction to £500", which they have taken.

 

Is there anything I can do or any way I can get this money back? Was thinking of the small claims court?

Edited by clarion48
typo
Link to post
Share on other sites

You shouldn't really have to pay for the second report. I would look through your previous letters from your solicitors to see if they ever informed you that obtaining a second medical would cost you as ergo if you relied upon the second medical you would not be relying upon your first medical etc... If they have never informed you then they are in breach of a number of regulations and you can report them to the LCS if they do not agree to refund the cost of the medical.

 

If they have told you then it get's a little trickier. In all likelyhood you will have probably signed up for an insurance premium called an 'After The Event' policy. This protects you from any costs being found against you or disbursements incurred. if they haven't signed you up for one then they haven't represented your interests properly and again you can report them to the LCS. Solicitors don't like claiming off these policies as they usually have an agreement with the insurers to get good deals and if they start to get claims off them all the time then they are not going to get good deals anymore.

 

I would also look at your initial client care letter which the solicitors should have sent out to you in which they will details all the funding etc that you will be reponsible for. If you don't have one or it is limited then you can again make a complaint to the LCS who are usually very happy to sort such things out for you.

 

Initially I would write to the complaints partner at the firm and his/her name HAS to be given on the client care letter that was initially sent to you at the beginning of the claim. They have to send you this letter by law. List your grievances and the complaints partner will have to look at it and respond to you ASAP. If you don't like the outcome then write to the LCS here:

 

http://www.legalcomplaints.org.uk/home.page

 

They usually take great delight in kicking solicitors if they have done anything wrong and are not usually partisan.

 

The main problem you will have is if they have told you that you would have to pay and it was you that insisted that you obtained a second medical report against their advice.

 

Concentrate on what advice they gave you and what informed choices they gave you as a result. If you didn't know you were going to be charged then they don't really have a leg to stand on, no pun intended.....

 

Good luck.

Link to post
Share on other sites

Hi.....thanks for reply.

 

It was my solicitor who suggested the second report and arranged the appointment. She did mention the fee but also told me firstly, that if we relied on the report I would not have to pay......and then later, after she saw the report suggested that she could get the fee waived because it was a biased report.

 

When the settlement was agreed she telephoned me and gave me the settlement details over the phone, which I wrote down. By the time she wrote to me two weeks later this figure had been reduced by £650.00, which she said had been paid to the medical agency in relation to an MRI scan the doctor sent me for. There had previously never been any mention of me having to pay for an MRI scan. A further letter then reduced the settlement amount by £1065.00, which she said was to pay for my physiotherapy.....the final total given then was what I would actually receive. It was therefore quite a shock to receive the cheque and find that another £500 had been taken off to pay for this medical report.

 

I have come to the conclusion throughout this two and a half year, very stressful process, that not only do the insurance companies rip people off but the solicitors working with them are obviously in cahoots with them and rip people off big time as well.

Link to post
Share on other sites

I would definitely write to the senior complaints partner in this one. It is fairly shocking in my opinion that they have deducted anything from you having not informed you of the risks.

 

I suspect, not having agreed with you that these disbursements were yours to pay, are in breach of the Solicitors Account Regulations 2009 as well.

 

Are your solicitors a large firm and your solicitor actually a qualified solicitor ?

 

It may be the case that your physio and mri scan was part of the agreed settlement, however, prior to any settlement your solicitor should have ensured you were aware that the overall figure included these deductions etc.

Edited by Endymion
Link to post
Share on other sites

  • 10 months later...

It seems a long time before coming back to this thread but if you read on you will understand why.

 

I wrote a letter to the senior partner of the solicitors firm in October 2010 concerning the fee for the second report, which I strongly objected to paying and also mentioned disbursements. Having had no reply within four weeks I contacted my case handler. She asked me to scan the letter and email it to her and she would speak to the senior partner. I did this.....but every time I asked her about it there was another reason why it hadn't been dealt with. In April this year she told me it was her fault but assured me it would be dealt with straight away. A month later and no response I wrote to the senior partner again and sent copies of all the emails that had gone backwards and forwards.....no reply. I then contacted him by email. He told me he had allocated the case to one of the managers who should have been in touch with me. I explained that after nine months I was somewhat frustrated.....he assured me of an answer this week.

 

I finally received a call from this manager a couple of days ago......throughout the conversation he blinded me with jargon that I barely understood but the crux of it was that he said I had gone for the second referral and therefore the fee was down to me. He answered my question about disbursements by telling me that it would of had to have been claimed off the third party insurers and therefore I would have had to prove there was a 50% chance or higher that if we went back to the expert, he would have changed his report? Didn't understand a word of it although he says he will put it all in writing....but I will not get my money back.

 

Any suggestions on what to do now?

 

Many thanks

Link to post
Share on other sites

Hello there. I haven't read all of your thread, but have you spoken to the LCS [Legal Complaints Service]? You should find them via the Law Society website. They should be able to advise you what to do next and will mediate if you decide to complain, as your treatment sounds terrible.

 

We did this about a probate matter and they were OK.

 

My best, HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thanks HB. The LCS has closed.....there is a notice on their website to say they are no longer taking cases and referring everyone to the Legal Ombudsman. I will get on to them tomorrow.

 

Really? I'm stunned. Still, you can use the ombudsman as a threat. If it's like the insurance one, it costs the firm money whether they win or not, and not to mention all the paperwork they would have to provide.

 

Please let us know how you get on.

 

My best, HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

A dilemma......

 

I made my complaint official with the Legal Ombudsman and have now received their letter to say that an investigator will be appointed in about 10 days time. In the meantime, I have just received an email from the senior partner at the solicitors firm. He does not acknowledge any liability for the medical report costs and has said he is sorry we have reached this point and because of the delay in getting to this point.....is offering me £200 compensation.

 

The big question is.....do I take it.....or do I leave things in the hands of the Legal Ombudsman? I contacted them this morning to let them know about the offer but they cannot advise on what to do now. They said that the investigation could go either way.....they could find that a fair offer to resolve has been made and on the grounds that I didn't accept, I end up with nothing......but on the other hand they could find that is not a fair offer and award much more.

 

What to do eh? :???:

Link to post
Share on other sites

Thanks, but don't really understand your post. This is an insurance forum and my claim is for personal injury through my insurance company. Because the claim is dealt with by a firm of solicitors appointed by the insurance company they are governed by the Legal Ombudsman. Not sure why you think this is a case for the FOS....it has nothing to do with them.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...