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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.

 

he wont have suffered

 

i felt the same when my cat went, but he knew what it was at the time

 

he could barely breathe but as soon as that needle went in he started purring and i swear he was trying to get up to headbutt me the way he used to before it kicked in

 

that last thing i made sure i did before i buried him was finish that headbutt he started

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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  • 2 weeks later...

Really interesting YT video on the Economies of Airline classes

 

 

Airlines make much more from business class and first, with economy really just filling the plane up.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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A bit long, but even for republicans there are some poignant thoughts raised both in the article and almost certainly in any inquisitive and observant mind considering some of the points within

 

https://www.theguardian.com/uk-news/2017/mar/16/what-happens-when-queen-elizabeth-dies-london-bridge

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Great thoughts everyone:-D

 

I listen to radio tunes daily and I hear lines in songs which make you grin for many reasons.

 

I'm going to start posting lines from songs now and then and see if you can guess song:madgrin: More likely to be known mainstream songs

 

Here's first 'Jennifer Alison Phillipa Sue Deborah Annabel too'

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Mambo Number 5?

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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significantly more? 2% at present self employed dont get sickness benefit, holiday pay, dont get their allowance for doing jury service, nigh on impossible to claim housing benefit as the rules of proof of income atre so arcane it is impossible to satisfy them, less pension etc. Agreed, the cost of the extra NI to employers is crippling and that affects the wages offered to employees but direct taxes are still about the same as they were back in the mid 1970's when the tax rate was 30%

The real problem is that NI is just another tax and not what it was set up as back in 1910. It is not rerlated to your pension and it is not for the NHS so what we should all be demanding is to know why it is separate on our pay slips/tax returns. Also the BBC is a tax upon us but their employees are encouraged to make themselves limited companies to avoid paying tax! What next, HMRC freelancers? Even the last DG used a company to minmise his tax bill as he was an "agency" employee- no he wasnt and the HR at the beeb should have been dragged through the courts to explain themselves with that evasion exercise.

My national Insurance is more than the tax I pay. Will be looking into that. I'd like to know why minimal amounts are paid if you are self employed yet if you are PAYE it is significantly more, even though you earn less money.
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If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

 

If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

 

Maybe all workers should set up a company in their name and invoice the company they give their services too.

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cant believe the political hypocrisy.

it was likened to mandela on the news. wtf. well mandela never endorsed the killing of civilians.

(had to post, but shldn't be :))

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cant believe the political hypocrisy.

it was likened to mandela on the news. well mandela never endorsed the killing of civilians.

 

Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

not 100 % obviously, just going by his autob and some historians. seemingly not quite at the same level as mcg.

and re quite different circumstances. the news' analogy was wrong.

he was not 'clean' at all, but more of an economic one (blowing up pylons for one eg). as he said himself if you see him as a saint then he is '..not a saint, unless you think of a saint as a sinner who keeps on trying...'

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Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

 

 

Its all relative.

In nazi germany some people rescuing Jews had to lie and cheat and sometimes murder 'the bad guys' (who may often just have been 'following orders' and who believed the lies and propaganda of their leaders ....

 

Take Osbourne - 6 jobs - or perhaps should we say 'paid positions' while drawing an MP's salary and expenses ...

 

and before anyone says 'yes but we need fewer professional politicians and more with experience in business as MPs ...

Well, Yes I agree but we need those sort of people who bring that experience and devote full time to politics

Surely those who claim they can do 6 'jobs' properly simultaneously while claiming 75K + massive expenses as full time politicians are exactly the sort of 'professional politicians' that we already have far too many of.

 

 

http://www.dailymail.co.uk/news/article-4331992/George-Osborne-defends-six-jobs.html?ITO=1490

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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your tax isnt 30%, it is 20% on all earings over £11.6k. NI is paid on all of your earnings and the taxable amount includes NI contributuions so you pay tax on your NI tax- like paying VAT on petrol duty. Self employed people can claim back VAT on certain items that they then sell on with VAT added and then only when their turnover is above £83K. They cant claim back VAT on items that are not sold on and if they claim th VAT on fuel for their van for example they pay a different rate of VAT on all of their turnover, not just VATable things so they have to apy the govt tax where it is not due to claim back money they have spent on theior business. you dont have to spend money to pay your employer for your desk or lighting, you dont buy the bog roll at work and then pay VAT on it as a non VATable item.

Self employed pay tax at the same rate as you do and NI at 8% rather than 10% so they pay 30% in tax on their income above £11.6k, not 32% . Another thing they have to do now is pay tax on account so they have to estimate their income for the year to pay tax on money they arent going to get paid for the next 9 months. would you like it if your boss paid you 3 months pay without deducting tax and then taxed you for the whole year in month 4 and said that was his best guess for the future and the matter will be adjusted in january if it is wrong?

The PAYE system is rotten but dont blame the self employed for having a slightly different system that looks to be better at first glance but one of the reasons that people become self-employed is because the companies they used to work for decided to lose their services so they now go it alone doing the same sort of thing on an individual basis. How many people are employed in the building trade directly? hardly any and that means little training opportunities for the young. the brickies, sparks etc are still in work but with no security of tenure and that saves the employer money, it doesnt benefit the individual much and loses the govt needed NI revenue (mostly from the loss of the employers contributions). I work part time in education on zero hours contracts so dont pay NI as my hours arent enough at any paticular place to get over the threshold. Even full time teachers are now being offered posts where they dont get paid for the whole year, just 38 weeks. Who would be a maths teacher in a sink school with that as an incentive? 6 weeks compulsory unpaid leave in the summer? lovely. I know some who spend their time working as stewards at sporting events or fruit picking. They still have their pupil assessments to do for the coming year and all of the other admin/lesson planning etc but they just dont get paid for it.

If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

 

If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

 

Maybe all workers should set up a company in their name and invoice the company they give their services too.

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your tax isnt 30%, it is 20% on all earnings over £11.6k.

 

 

I know what you mean Ford, but you shouldn't leave out council tax

(or water tax really as there is no competition and no choice)

 

Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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I know what you mean Ford, but you shouldn't leave out council tax

(or water tax really as there is no competition and no choice)

 

Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).

'Ford' ? :)

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'Ford' ? :)

 

Sorry Ford, I must have had a moment

That should have been Ericsbrother of course.

 

apologies to all

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Gosh that was 21st March when I posted that:madgrin:

 

Are you sure :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Beautiful south 21st March

 

What next year, where can I see them :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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