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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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BOS RESULT!!!!! but........


kath30
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Hello there i cannot believe this worked but i received an offer yesterday from BOS of £320 as a gesture of good will this is for both accounts as below so no where near enough. The letter is from Richard Aitken who states i should phone 01422 333465 if i need to discuss my concerns.

Basically what i need to know now is do i phone to accept the offer but tell him i will continue to claim for the rest and also ask him about the default being lifted - this was never mentioned in the letter - or should i keep it all in writing and reply stating that the offer was a nice gesture but i will be continuing with my claim and to have my default removed?

Thanks to all for all the help and for this great site i will admit now that i was slightly unnerved about doing this and really never expected a result but never will i doubt you again!!!

 

BOS current account = £520 without interest LBA sent 07/04/06 - defaulted

 

BOS card account = £696 without interest LBA sent 07/04/06

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Keep everything in writing.

 

You asked them to communicate via wrting in your prelim letter and you can't get flustered or say the wrong thing in a carefully thought out letter. Also they will have to respond in writing which will be more useful if you ever needed to refer back to any of their comments.

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I did this letter which others have used with suucess also:

 

"I thank you for your letter dated 05 April 2006, offering to refund £xxx of fees however, I am not wiling to accept this unless you provide me with the information that shows that the bank incurred costs amounting to £xxx.

 

However, as a gesture of goodwill I would be willing accept £xxx and therefore I will not seek to claim the 8% Apr and costs that I will add to the claim if it is to progress to a court hearing.

 

You have 14 days to respond and if I have not heard anything within this time period I will commence court proceedings without further notice."

 

You will obviously need to alter it for yourself and to include the request about the default.

 

Keep us posted x

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Sorry back again but the offer of £320 was for both accounts not each so when i send my letter refusing the offer do i split the money and still send 2 letters as both the amounts total to £1216 - feel a bit nervous about asking for that amount looks rather daunting in black and white! Plus i live in scotland so cannot claim more than £750

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kath you can only claim £750 at a time that doesnt mean you can only claim for £750 in total put 1 claim in for £750 then 1 in for the balance,

LLOYDS TSB

DPA: REQUEST SENT: 11-04-06

RECEIVED 28-O4-06

PRELIM LETTER SENT: 04-05-06

RECEIVED SOD OFF:06-05-06

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kath,

i recently recieved a similar letter offering me £100. i phoned the number letting them know i would not be accepting there offer but would be continuing my claim, they uped the offer on the phone to £300! it is certainly worth phoning them to see how you get on. Its quicker and if you still dont get the result you want then you can write the letter.

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If you don't mind a bit of advice from someone who litigates a lot, try this:

 

Dear Sirs,

 

thank you for your letter of xxxxxxx.

 

I note all that you say. I do not accept your offer.

 

Yours faithfully.

 

XXXXXX

 

I've found over time that it says exactly what it means and leaves little room for debate.

 

Good luck.

 

By the way, you should never, ever, either phone them or let them phone you to discuss this sort of thing. There is zero chance that the person in the call centre has the authority to refund the sort of cash you're looking for. ALWAYS keep it in writing.

  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 2 weeks later...

Hi again i have sent back the LBA and they have until Monday 8th to reply but i doubt very much if they will so next question is as i have a cardcash account and a current account with them i have kept both claims separate due to it amounting to over £1200 when i progress to small claims do i just do it for one account first until i get a result then move to the next or can i input 2 separate claims at the same time but pay the £39 each for them? Hope that makes sense!

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Do then one after the other, otherwise they might just turn up and get the sheriff to lump them together, which will take you out of small claims.

  • Haha 1
  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Don't be scared. Just fill in the forms and send them off. Nothing bad will happen to you, I promise.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 3 weeks later...

hi there i have 2 accounts with BOS and on each of the accounts the accounts the amounts are approx 650 can i raise the small claims for each of them at the same time as they are different account numbers or would i be best to try the first on then once resolved move to the next?

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As far as I can make out it's best to do them at different times. If bank contacted court they could ask for both to be dealt with at same time. Seems unlikely that bank will go to court but if they do and it's not small claims you could be liable to pay them expenses etc...

 

I've filed my halifax 1st and will wait for money before filing halifax visa or bank of scotland claims just in case. Better to be safe than sorry!

Halifax: £478 (+ interest & cost) reimbursed

 

Halifax Visa: £370 - 1/2 back so far

 

Bank of Scotland: £802 (+ interest & costs) court ordered to pay (BoS failed to respond)

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Hi Kath, ghood luck with your claim, I'm having problems with them and have been at the DPA stage since I requested statements on the 6th April. I have given them until today before I go to the Info commisioner. To be honest I dont think they can find my account:lol: as it seems to flumux them when I call. I did have problems with them a few years ago, so the account is well documented, however I binned all the statements back then:cool:

I had a result with Cap One and it went to small claims, but they gave in when the summons was sent, stay positive!!

06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

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  • 1 month later...

well i have a confession i haven't been on here for a while plus i have not raised my claim through courts with BOS cause i am too scared - pathetic i know i am just freaking out that i could be the one they take to court and to be honest i don't know enough about all the court stuff to go that far so i have stuck here. Kicking myself cause this could have been all sorted by now if only i had a backbone! Really if i am honest its the whole going and handing the form into the court thing that bothers me and i don't think you can do it online in Scotland can you?

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Kath,

 

breathe slowly and spend some time looking through other threads, there's plenty of other people in the same boat. Several people in Scotland also and they seem to have had success! I've read lots of threads that have gone through the Sherriffs and they themselves are pretty approachable. If in doubt - ASK!! The only stupid question is the one that doesn't get asked!!:wink:

 

Green ON!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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thanks for that i have just completed my court sheet and have decided to do it tomorrow finish work at 2.30 so will definately get it done tomorrow and wait for the result hopefully a big plus in my bank account!

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Well done you!

 

Remember, the first step is always the hardest, after that gravity and nature take over!

 

Keep the faith Kath!!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Would it be an idea to send them a final letter but just give them seven days (as there has been a break in communication) just so for the courts sake everything was consistent? It's been a while since you sent your LBA so perhaps send another and then file?

Sky

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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