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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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      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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Admiral insurance change of car


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Hey all,

 

Looks like this forum is the answer to all my problems.To be honest would like to thanks dx100 uk & Martin 2006 for all their support in answering all the queries posted.This forum certainly points you in the right direction.

 

So to begin with Admiral insurance i received the renewals pack for my multi car insurance ,the price they quoted me looked too high,so like usual i rang them to check if it was their best quote, i told them i got a quote elsewere which was 2200 ,my quote was 2500 ,so the gentlemen applied some discounts and quoted me a little above 2200 (wish i had said 1200).

 

Now the interesting part on my renewals which i noticed was that the cars were kept at my old address although i had called to change my address a couple of times,once i asked the advisor why this was as such he said theagent might not have changed this and would need to check further ,so when he put this address in where i was living it bought the quote of 2200 to 1100 (Lucky me) which i was pleased with.

 

However my concern here is i am with them from over 7 years & have changed the address twice in a year & also have changed the car ,i queried this with the advisor that if the "Post code where kept" hasnt been changed over this year then its not my fault and i had paid the wrong premium during this address change to which he replied he will have to check the call(i remember calling & changing my address in june which he confirmed) He further advised he will have to go through the call log & will come back to me with an outcome.

 

Now i know they will try to put this on me saying i have not updated the details & its my fault which i dont think it is coz as soon as i moved to a different address i had called the insurance to change this & the agent has onfirmed.

 

I just want to check what the insurance company can do in this case to prevent them from giving me a refund?

i m sure they have their own tactics in relaying this back and putting this on my head

 

 

 

Shall i complaint?

Will they accept their liability?

what should i wary of when they call me back?

how shall i proceed?

 

 

 

 

Any help or direction is much appreciated again

 

As always many thanks again

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I should proceed by being straight dealing and honest about everything. Don't start complaining until you know what you are going to complain about. In what way would being wary make a difference when they call you back. If they call you back.

 

I'm very pleased that you like the advice given on this site. No doubt then you have read our customer services guide and also you have call recording equipment and you record all your calls.

 

Far too many people – in fact most people don't bother to record the calls. Then they lived to regret it. If you had recorded your calls giving the address changes to the insurance company then you wouldn't have any problems or any worries about it.

 

If you like the advice we give on this forum then I think that you need to start implementing it.

 

Let us know what happens as things develop – but of course when they do call back, you will be recording it, won't you?

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Think you need to remember that when you phone an Insurers call centre, that you are speaking to someone connected to a telephony headset trying to listen to you and make sense of what they are seeing on their computer screen. In the background they have display screens showing 50 calls waiting in a queue and they are targetted to have an average call duration of say 5 minutes per customer.

 

Most Insurers customer service staff are not going to spend over half an hour with such calls, resolving everything in one phone call. Plus they normally have restricted authorisation as to what they are allowed to do and would need a supervisor or manager to enter their authorisation for a backdated change on the policy.

 

Following your call with Admiral, it will get referred to someone who will take the time to see what has happened. If they find a mistake, they will correct it from the relevant date and if this produces a refund, they will process it to the account Direct Debits are made from.

 

If they come back to you with an explanation about why a refund is not due, then ask for a full breakdown in writing stating out how the premiums have been calculated for the year, with full details of how the policy changes affected the premium.

 

Hopefully you will get this resolved asap and if necessary for compensation reasons you can complain about them not applying the refund earlier. They might issue a payment to reflect the mistake.

 

Come back to let us know what happens.

We could do with some help from you.

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Many thanks again.I shall definitely record the conversation when they call me back(Thanks bankfodder) .I shall see what they have to say and leave the feedback here . breakdown of insurance sounds a good idea unnclebulgaria 67.

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If you have any of the previous paperwork to hand as well which can give you all the details re price/address/time period etc, with regards to what your after claiming refund for.

 

I always keep mine for many years afterwards just in case....

I don't suffer from insanity, I enjoy every single minute of it!!

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