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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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Parents rec letter to challenge council tax band


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My parents have received a letter from company who say they can challenge their council tax band, "for a fee" of course.

 

Ive read the sticky but not sure what to advise my parents, they are quite old and wouldnt dream of dealing this by themselves and I really would be put out if some oik in an office somewhere got hold of their hard earned money.

 

Has anyone on here successfully challenged the tax band, would I be able to do it on their behalf (with their tacit agreement ofcourse)?

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Hi monx

 

All you need to do is look at the band of houses in the same street, as well as houses in the area to see if you need to challenge.

This is fairly straight forward for an individual to do, you don't need a company doing this for your parents.

 

http://www.voa.gov.uk/council_tax/cti_home.htm

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Right! Thats just what I thought, thanks for you help both of you.

 

Ive done the calculation and there are three other houses in the street with a lower band that are of similar shape and size. they havent modernised or added value to the house with any extensions etc and according to the calculator the house was valued at less (in 1991) than the band they have been paying.

 

If parents want to challenge it I will do it on their behalf. I just worry that by doing it they revalue it for more and this costs my parents.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Since 1987, their mortgage was for £19000.00 in Feb of that year.

 

According to the calculator it would have been valued around £27,000.00 in 1991 and as such should have been band A but they have been Band B since that date.

 

Three other houses built at the same time by the same builder and the same spec, size and shape are already listed as band A so I think we should be ok but I always worry about the fly in the ointment!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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just going through this myself

 

tes you can get it back dated

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A business premises I moved into were paying what I thought were the wrong rates - too much. I appealed against them and they informed me the rates had been wrong for the last 40 years but when asking what rebate I get was told it was only for 1 year.

 

Do your parents have a corner plot or one that is slightly larger than some of the others? Also if on a side street they could be more if you are nearer the main road! They have some weird & wonderful ways of working these out & I agree you should be careful in case it goes up but think this is only likely on resale but am unsure.

 

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They do have a small piece of land in front of the house but its about ten feet square (if that), there is nothing you could put on there that would improve the house or its value.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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If the Valuation Office decide the banding has been wrong since the property was first banded then they will alter the banding back that far .

 

The refunded balance (if it is re-banded) would be at most the difference between a Band A and B charge for each year - it may be less once any transitional relief or council tax benefit is adjusted.

 

A business premises I moved into were paying what I thought were the wrong rates - too much. I appealed against them and they informed me the rates had been wrong for the last 40 years but when asking what rebate I get was told it was only for 1 year.

 

Business rates, IIRC from when I did my training, revaluations are only valid for the life of the list. The list is re-drawn every 5 years so that is the maximum that any change can be backdated (or to the start of the list if less).

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If it only if it were that simple. We have 2,3, and 4 bed houses all in same band and all in the same road, yards apart, so nothing to compare to other than it's obvious they shouldn't have all been placed in the same catagory. Our valuation should have been lower as of the date it was calculated but the previous owners appealed and lost soon after. None of the 2-3 beds would have met the valuation at that time and would have been Band A with the rest B or C.

 

I can't magic up something to compare to if there is nothing to go on but surely common sense should prevail?

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