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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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Lloyds Credit Card - PPI


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Hi there,

 

I am new to the forums and wonder if you guys would kindly help me out on afew queries i have

trying to claim possible PPI and charges from my closedLloyds TSB current account and credit card.

 

I have already written to them and had a response to my initial DataProtection letter.

With this I sent thema cheque for £10.

They have responded with copy bank statements from my currentaccount they haven't however, sent me any information with regard to my creditcard.

Instead have ignored this request, not mentioned it in their responsealthough state that I am welcome to request full SAR.

 

The cheque I originally sent to them doesn’t seem to have been cashed, butit is a bank holiday and may show up in a few days on my account,

should I sendanother if I do send the full SAR letter?

 

Could someone tell me if I should now send a SAR or simply reply to theirletter stating that not all of the information requested in my previous letterwas enclosed??

 

Also,

could anyone tell me with the statements I have received so far from mycurrent account,

if I start going through them and counting up the charges occurred,

should i have a valid reason of hardship to be asking for a refund of these,

(Iwas charged frequently previously, sometimes £200pcm because the previousmonths charges just used to have a knock on effect

with other bills etc and£200pcm was more than a third of my wages. I simply got into a rut).

 

 

Also, should I write separately to them about my credit card PPI reclaim

when they do send the details, or wait for this information to come through andmerge the two claims for PPI and charges?

 

Any advice would be very much appreciated.

 

Many thanks

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Ok, sorry and thank u.

Where is the new thread?

Sorry for sounding thick, the write doesn't seem to allow me to start one.

Not quite sure what Im doing.

 

. . . Current account and credit card paid off and closed just over 2 yrs ago.

 

Thx, i will take this to another thread if i knew how.

 

Sorry for taking someone else's! :-!

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You have already posted on your new thread so just stick here for this issue.

 

Is their 40 days for compliance expired yet?

 

If so then send the me the "Failed SAR" letter from the CAG library, the link to which is at the top of every CAG page in green.

 

If the 40 days is not yet up then wait it out until they are. Some data from different accounts may come from different places.

 

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I sent the data request last Monday and the statements were with me by Thursday! Am very impressed by this and am hoping that their response is this quick always.

 

So u think not to do anything in case something else comes through with regard to the credit card within their 40 day time limit?

 

Thanks for up help so far.

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Should i continue with my claim for charges before the credit card info comes or is it advisable to merge two claims if they are to the same organisation? Sorry, bombardment!

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You should wait for the SAR before doing anything on charges or PPI claims.

 

When you have ALL the relevant data you will be better positioned to calculate your claim amount.

 

In the meantime do some reading around the bank and PPI forums to get up to speed on what will be involved.

 

PPI claims and charges claims are two separate issues.

 

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I didn't send the sar template letter, simply a data request.

 

They have invited me to do so and think i will wait this out as u advise and then send the official sar if i have no further correspondence.

 

Thanks so much

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Yes under the data protection act 1998.

 

I just took a template from Martins money saving website,

which, by the way,

directed me to this site for further advice, and its fab.

 

I of course want this process to be as quick as possible and wonder now whether i should send the standard sar letter omiting the £10 fee i have already sent to them,

rather than wait the 40 days and find i have to send it anyway.

 

It can't really do any harm i guess as if there is other data that's coming from another dept,

that should really cross with my letter if its on its way to me? ?

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You could send a letter thanking them for the data provided thus far and saying that you look forward to receiving the rest of your data within the 40 days allowed

 

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Hi,

I have today drafted up a letter asking for the remaining documentation, many thanks for this idea IMS21. i will post after the BH and hopefully receive a response as quick as the last.

 

In the meantime i thought i'd start going through the current account bank statements and calculating what charges i may be able to reclaim. I was charged a lot over the years i banked with them (more and more charges seemed to have a knock on effect every month although i haven't yet gained a total). However, i have been charged for three seperate things on a regular basis. The majority of the charges are for going over my over draft limit (which i pressume these are the most common charges claimed for), but i have been charged a number of "overcharge interest", "overdraft excess fees" "returned DD fees" and "returned cheque fees" too. As these they will see as my fault for going overdrawn so often, can i try to reclaim all four types of charges or just the charges for overdraft excess fees" that the media are staitng were unlawful?? Also, they have sent me bank statements dated between Sept 2001 and when i closed the account in July 2010, can i request the statements that go back further than 2001? They state in their letter "Details of when records have been deleted or disposed of do not consistute personal data and we are not oblidged to keep a record of this. All paperwork that contains personal data is disposed of in a secure manner". They do invite me to write to a different address for full SAR, which i have done today in my further letter. Does any one know, will they send statements from further back with this or are all details destroyed with no recall possible after so many years? I am under the impression that personal and financial data is always disposed of after 6 years but of course they have already sent to me statements dating back from 2001!?

 

Any help with this would be greatly appreciated. I can then start to draft up my letter to them pending further documentation from them, then start fighting my case.

 

Thanks.

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Hi

 

On a current account the only chance of getting the charges back is through a hardship claim or by using BCOBS which cam into effect late 2009. The Supreme Court ruling effectively put a stop on reclaiming bank current account charges although loans and credit cards are still up for grabs.

 

Although the banks will tell you that they do not hold data beyond six years, we know that they do hold data further back than that and some members who have pushed for their data have got it going back much further.

 

See what comes back from your full SAR and take it from there.

 

ims

 

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  • 3 weeks later...

Hi guys,

 

I have received documentation back from Lloyds which gives me all my credit card statements bar a few they admit to not being able to find that cover about one month. They haven't however, sent me the original agreement so i can find out if i had PPI. Should write to them now asking for a refund of the bank and credit card charges or do you think wait to see if i receive and find out whether i paid PPI and put a one collective claim in one letter?

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  • 1 month later...

Hi there,

 

Jhaven't poslted for while as have not yet got round to writing to Lloyds since they sent all statements from my credit card andc urrent account. I am going to be claiming purely for a refund of bank charges, overdraft additional charges and have come to a halt as to what to do next due to the time lapse.

 

I've read back through this thread to refresh my memory, and thanks for the advice so far IMS. However, just looking for some further advice.

 

Do i have to go through all of the 6 years accounts and simply write a "list" stating the transactions that incurred charges, that i feel i should be reimbursed for and the reason why i feel this (individiual reasons fo each?). Then of course stating my hardship case? Or is there some sort of template table i can use to list the charges then simply write a covering letter setting out the main reason why i think i should be reimbursed?

 

Thanks in advance.

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Also, i am goin to try to reclaim the charges from my current account and my credit card account. SHould i merge these two claim and make them one or calculate my claims and claim and write seperately for them?

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