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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
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    • 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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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TSB Credit cards want access to my medical records


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I got behind with my TSB credit card payments because I have been off work due to illness.

 

 

I sent TSB a valid sick certificate signed by my doctor.

 

 

They have now sent me a large form which not only has to be filled out by a doctor

but if I sign it will give them access to my medical records.

 

 

I told them that they have a medical certificate and they are insisting I sign the form or face legal action.

 

 

Can they do this?

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No, they cant force you to supply proof of medical.

 

 

But by supplying proof of medical, it may stave off legal action.

 

 

They don't want access to your full history,

they just want to know that your current situation is something that will improve.

 

 

A sick certificate may not provide enough proof to satisfy them.

 

 

Obviously, like mm says, they cant force you too,

 

 

but that may just mean they start legal proceedings quicker.

 

 

Up to you.

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TSB start legal proceedings..pigs might fly too

 

 

they'll sell the debt on.

 

 

tel us the full history of the card.

 

 

have you all the statements?

 

 

got PPI or PENALTY [£12 fees] charged

 

 

have they trashed your credit rating.

 

 

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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Just my 2p worth.

 

I've been on this site for 9 years and site staff for a few years.

 

I have been of sick with a slipped disk for 10 months and had the following

 

1) Capital One

2) Aqua

3) Barclaycard

4) Argos card

 

The very first thing that I choose to do when I knew I was going to be off sick was send a copy of the consultants report to every company. NO that don't have any right to se it, but it's their money and I owed it.

 

EVERY single company reduced my minimum payment to £10 (thats's what I asked for) a month and stopped ALL interest.

 

So you can either be a pratt and stamp your feet and tell them they have no rights whatsoever, or sometimes, give them a chance. I know what I would (DID) do.

 

Offer what you can afford and sent them the proof you are in trouble.

 

Jogs

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Exactly, while we all hate the banks, sometimes working with them can produce the desired result. Sticking two fingers up at them will just make them take legal or sell it on.

 

I agree more info though. There may be charges to recoup and pay off some of the debt. But again, while that can be done, don't be surprised if they quickly take legal action after that or sell it on quicker.

DX, I would ask that you show the pictures of the flying pigs. I have seen warrants where TSB are the claimants and not just in name, but as a client too. I can assure you that they do take legal action when they want. If they don't want to, then they will sell it on.

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There is nothing wrong in giving them a redacted version either. But only a Judge can demand to see it and the they make the decision whether or not it is relevant.

 

 

Medical records are privileged and the debtor can chose not to supply full or even restricted access. If the DWP accept a note from the Dr's then the banks surely can as well. This is just plain wrong, in as much as why do they need to know the full story, let me explain.

 

 

An employer will accept the sick note to pay you SSP, the DWP will accept the note for benefits, PPI will normally except it for the payment of monies due under the insurance agreement, but no where will it state the debtor must give full disclosure.

 

 

The same goes for EA's they cannot demand access to your medical records either, a covering letter from the GP is all that is needed, stating what the illness is and if it is likely to be ongoing.

 

 

Furthermore even a Court of law will accept a Dr's note. Please be aware I am just pointing out the obvious here nothing more....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Banks are not entitled to any confidential medical info, but some basic info which you agree can be released can be helpful. It depends on the nature of the medical condition and the purpose it serves. A Bank should not be retaining or sharing any medical information. It is purely for confirmation of the current health in relation to ability to handle finances.

 

It is quite possible for example that someone suffering from mental health conditions may be considered incapable of making financial decisions and they could face having their credit account frozen, so no further spending is allowed.

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Exactly, someone off work for mental illness and signed off by a doc, even with a covering letter from their doc doesn't mean that an ea cant enforce, not does it mean that a bank cant still collect. We would ask for proof it affects their ability to manage their daily life and finances or enforcement/collection by the bank etc can continue.

Refuse to give info if you want, but just a sick note most likely wont help you.

Dwp wont enquire further as they don't care whether you can pay a debt or not, they only look at if you can work, and if a doc signs you off, then your off, end of.

Your comments mm blur the lines and pull different sectors under one umbrella which doesn't make sense and nor does it help the op.

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