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.
  • 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

citi A word of encouragement for citi claimants


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5187 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

I mean, my claim is v. small - a couple of hundred quid (not saying as no doubt, he'll identify me).

 

Mine is only £375 plus interest and costs. A tiny amount they have more than likely spent more on so far. £65 on the hearing, a morning of an external solicitor plus his to prepare time so far. Add in to that the time they have to spend putting in a defence, plus the work done by Brian already and then I will have a full hearing again at some point where they will need to send a solicitor again. Madness.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

Link to post
Share on other sites

  • Replies 328
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

If it turns out that he files a different set of charges in Kerens case & you believe that the Court have been mislead you should report him to the Law Society for them to consider his conduct

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

Link to post
Share on other sites

This bank must have all it's licences revoked.

 

They consider themselves above the law and to be honest, in my opinion, the various district judges don't seem to be offering much to the impending collapse of their overall argument.

 

 

We must be able to do more to stop this bank.

 

Any thoughts?

 

 

Paul

Link to post
Share on other sites

Going to be an interesting few weeks.

 

Perjury. In the Kissick case it would probably depend on who presented the evidence to the court, the solicitor or the head of Citi Finance. However if the figures presented were misleading then someones going to be in a whole heap of trouble.

 

And how do we know they are misleading.... best leave that for another time.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

I think it's time to have a good ponder about this-let's try to come up with suggestions,pool our ideas and see if we can arrive at some kind of effective strategy or tactic which will stop this manipulation of the legal system that CITI seem to be pursuing......

 

the knowledge and know-how on this forum will surely come up with something...

 

;)

Link to post
Share on other sites

If 2 different sets of figures are disclosed and they are presented with a statement of truth signed by the Solicitor then you can apply to the Law Society for action to be taken for misconduct

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

Link to post
Share on other sites

got a letter this morning in which Brian Smith admits in writing to monitoring this website.....wasn't there some action that Bankfodder said could be taken against them for doing this without decalring who they were?

 

Of course,Brian hasn't the swingers to actually register on the site to defend citi-c'mon Brian,show us you have some balls to present your case here and stand it up to scrutiny!!

Link to post
Share on other sites

Perhaps he should start dusting off his professional indemnity insurance then!

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

Link to post
Share on other sites

got a letter this morning in which Brian Smith admits in writing to monitoring this website.....wasn't there some action that Bankfodder said could be taken against them for doing this without decalring who they were?

 

Of course,Brian hasn't the swingers to actually register on the site to defend citi-c'mon Brian,show us you have some balls to present your case here and stand it up to scrutiny!!

 

Just a letter saying that?

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

I for one will writing to my MP, that is all i can think of doing as the goverment are the only ones who can stop these people from abusing the court process and treating ordinary people with contempt and arrogance.

Without us there would be no Citibank, maybe they need a reminder of this.

Regards

adamski

 

 

Link to post
Share on other sites

I for one feel that my privacy is being invaded by these corporate bullies, as BankFodder has said

CitiCards is monitoring this site.

This is nothing new - so are all the other banks.

 

Some of the banks have been complaining that information about their litigation is being posted on this forum. This is because they don't like it and it is one of the features of this forum which empowers the claimants.

 

It is scarcely possible to imagine a situation when it will be to your disadvantage not to post here.

 

 

Post your Citicards story.

Don't hold back

 

Everyone benefits from the truth and openess of this site. The sharing of information is the worst thing which can happen for the banks and for Citicards.

Regards

adamski

 

 

Link to post
Share on other sites

Just a letter saying that?

 

no-but I had a little groundwork to do before I elaborated

 

groundwork duly done!!

 

In the letter Brian Smith claims to have rung the court office to investigate my "purported appeal" as mentioned on this site,only to be told that the court have no record of it.

 

Strange on 2 counts-the court do indeed have the appeal-as confirmed to be by telephone this morning,and citi apparently have deluged the court today with paperwork defending this appeal which they claim does not exist.

 

Pump up the valium Brian-as I know you will be reading this,I'll save myself a quid on the recorded delivery letter and confirm that the appeal does in fact exist,and is not,quote "purported"..........

Link to post
Share on other sites

Citi cards are on my hitlist, so beware Citi i'm comign for you.

I wont be put off by soem of the spiel you put out, i wont be hounded and harrassed anymore by you.

My accoutn was sold on paid off in full and final settlement ages ago, now it is my turn to do unto others as they unto you.

Bring it on i am indeed ready and waiting......

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

Link to post
Share on other sites

aaah, he's trying the same line with you as with me.

 

He said he was monitoring the site in his application for the set aside to the court and that was the only reason that he knew about my claim.......funnily enough though in court, the solicitor who attended admitted that they 'had to have received the claim' when pressed by the judge....and of course, if they didn't know about my claim, how could they know how much I was claiming and then try to say I was claiming the wrong amount!! :rolleyes:

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

Link to post
Share on other sites

I guess the issue is what exactly we want to get out of this, and hwo far we want to go.

If the complaint is about about the manner in which they do thier stuff (i hate to call it business) then perhpas we coudl do a mass complaint to the OFT and FOS.

Whilst niether organisation may wish or have the resources to tackle the issue on an individual basis surely they could if presented with a very detailed group of complaints presented as a super complaint then have the grounds to act.

Citi are clearly out to frustrate and delay all claims as far as possible. They need to be shown the power of the consumer, they need to be slapped around and bullied by our legal system and shown they are not invicnible or above the law.

The sooner the better in my humble opinion.

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

Link to post
Share on other sites

forgot to mention-the court office just rang me to tell me that the judge at the original hearing had written to CITI after I pointed out in a letter to her what they had done with mu information-ie distributing it to other litigants.

 

They have replied to her letter and I have asked for a copy of this.Should be interesting if nothing else.

 

Just waiting for the Information Commissioner to get back to me on that as well!!

Link to post
Share on other sites

that will be very interesting to hear.....

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

Link to post
Share on other sites

Looks like three f's smif has a lot on his plate.

Wait til he starts dealing with me.

i have a little surpise for him when he sends me his first smart assed letter.

Until you know who you are dealing with tread very carefully, lots of cow pats awaiting.

Oh i am going to enjoy this.

I love the smell of banks coughing up refunds first thing in the morning.

 

HSBC, they tried they failed, they coughed up in full

To all the others beware i am heading your way next.

Link to post
Share on other sites

Please keep us posted LTWFB & Jobloggs. It will give me great pleasure to give them a proverbial kicking. they are all to ready to give it out themselves making life a misery for the princely sum of £200

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

Link to post
Share on other sites

Looks like three f's smif has a lot on his plate.

Wait til he starts dealing with me.

i have a little surpise for him when he sends me his first smart assed letter.

Until you know who you are dealing with tread very carefully, lots of cow pats awaiting.

Oh i am going to enjoy this.

 

Just please be careful you don't take any risks that could jeopardise the standing of either your claim, other people's claims, or the respected status of this website...

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...