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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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

refused council dilapidated house, intentionally homeless. left to die on streets


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I was offered a house which was in dilapidated condition from the council.

 

At the time an acquaintance tried to sort me out with a shared private let,

rather than move into this house of horrors, but this fell through.

 

The council deemed me intentionally homeless because of this.

I was refused access to my housing officer and refused my right to make a complaint about the property,

at the time when i had to make a decision.

 

I had a couple of days time frame to make this decision.

 

My appeal failed and i was to be cast onto the streets like a leper, but fortunately luck was on my side.

 

An near impossible feat for an unemployed person in Edinburgh,

i found a private let through an x-landlord i was with while i was at university here.

 

So my question is,

 

how long does this unusual punishment last if you are struck of by a council?

 

Is that it for you?

 

are you just left to die on the streets or maybe luckily find a prison cell?

 

https://www.flickr.com/photos/124422960@N08/with/14339100655/

 

some pictures from a temporary accommodation dwelling courtesy of Edinburgh council and associated partners. A few of my holiday snaps

 

heres the house i refused

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I wish i could offer soemthing constructive, but they did similar to me and far worse 9 years ago and not been able to recover since.

 

They not only stole my home and sold it to private developers, they stole most of my possessions and all 'papers'. So no bank account. No benefits. Unable to work. They beat me, Dislocated my back and jaw.....and far worse that I won't go into on a public forum here. It's not just construction workers that get blacklisted by the state- and that was just early stages. They've stolen what should have been the best years of my life anyway and i can't even find out what their names are. They also gang raped the woman who should have been wife.

 

Fact is suspected G-men can do whatever they like with immunity. Epitomised by the fact that they also creep up behind people wearing disguises and shoot them repeatedly in the head.

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Far worse place than the official prisons they put me in for a while......if you are targetted you have no chance and no hope of rebuilding a life for yourself ever again. My prference was to die on the streets.....so still in a kind of prison now with no possibilty of parole. Constant surveillance, constant pain....trouble even walking far and they refuse medical attention even if i was inclined to accept it.

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Would there have been some funds provided to tidy it up a bit ?

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

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well just shows you the state of this country and the people who run it need to be held accountable. There paying out £700 to £1800 a week to store people in half way houses, while they sold of all the social housing on the cheap and never replaced it. I hardly blame the poor people who have had these circumstance inflicted upon them

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

 

 

Ah right, I certainly wouldn't want to move in there without it being a bit cleaner that's for sure. But I guess with a bit of paint and elbow grease then it could possibly be made quite comfy!

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Although many people suggest shelter

I have to say I found them a facade with a fancy name.

 

When i became homeless i phoned an 0845 number to get through to them and spent a £10 waiting on the line just to be told they could not help.

 

Theres no point in lying to you, council temp accommodation does make you feel like your on gods waiting table.

If you do find you have no choice but to accept temp accommodation, make sure you speak up if there is any problems.

If you do not officially complain and be articulate about it you will be left there.

 

They do however respond to complaints, and you are most likely going to be served a turkey to begin with. If at council office best to record any meetings on your cellphone so you can refer to things later.

 

They tell you you are not allowed to and will terminate meetings if you admit it,

but it is your personal right to do so for reference purposes and only becomes a crime when passed on to another person.

 

They are notoriously incompetent and corrupt so i suggest you do so. there are also a range of apps for recording incoming phone calls, for samsung it is called a "galaxy recorder".

 

The battle begins when you enter these temp accom places believe me, so prepare yourself.

 

At least this way you can speak with assurance that you know what you are talking about, and if it ever came to a court case you will have cover

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i just can't work this out....looked like i was being 'allowed' to post ok again....but my posts ont his thread are only visible to me after i logged in? they're not there when i'm not logged in...so can anybody else see them? also odd i'm not subscribed to any threads......so looks to me like a corrupted user profile or the general 'fascism' thing again....

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be my guest

 

I am assuming this is in response to my post?

 

Whilst I agree that is disgraceful that any Housing authority would have such properties on their books, If I were desperate for a home, then I would certainly roll up my sleeves !

 

Your video didn't actually show the true state of the place because it was so dark. I noticed that you didn't film the kitchen or go too far into the bathroom.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the video focuses on the damage, the kitchen and bathroom were new

 

If this is so, then I think a lot of people would have jumped at the opportunity.

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://scotland.shelter.org.uk/get_advice/how_we_can_help/_free_housing_advice_helpline

 

I am not sure why you spent £10.00 on an 0845 number when their housing helpline is free ?

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the people who seem to be in control of this forum are petty and have a superiority complexs. They accuse me of not taking advice and reacting negatively to advice, and trying to stifle other peoples opinions, when in fact they close my own threads, and then continue to post on them after i have been denied access. This is the behaviour of a bunch of spoiled school boy

 

well it was not 5 years ago

 

the good Samaritans are an 0845 no now, saw it with my own eyes in the doctors surgery the other day. Good if your feeling suicidal due to benefit cuts eh

 

it does seem that they have now revised there practise and are now using 0808 no which are costly from a mobile but you can download a free app now according to moneyexpert.com

 

it has come to my attention that none of these so called gods of the forum, the chosen ones with such overseeing good advice, have not even attempted to answer my question yet. Instead they have insisted on putting all their energy and resources into demeaning my post, acting like a blue collar gang

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Chris, this isn't about gods or being demeaning. If you're asking for opions and advice sometimes you might not always agree with what comes back. We're not seeking to do anything other than be objective. It's pointless blindly agreeing or sympathising with people when, in reality, it doesn't help.

 

I'm sure someone with the answers to your questions will help - but it seems that you might be best contacting the council and hearing it from them.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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yes but the difference is if you disagree with the admin on this site you get your thread banned while they continue to post on it like a desk top mafia. They are generally demeaning and insulting and if you try and defend your self you get banned. This is a bureaucrats forum, not a consumer action group

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