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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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      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.

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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
        • Like

V-E Day: Victory over Egg


Mistermind
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Venicegondolasatsunset.jpg?t=1190149312

 

 

 

A legend has grown up that Egg always digs in, and nobody can beat the Egg. This is untrue, Egg have caved in time and again and offered full refund, but attaching a confidentiality condition each time.

 

All who have been offered full refund are invited to briefly describe their success. As postings will be under anonymous forum names this action will not breach the confidentiality agreement -- unless any legal eagle knows different.

 

The jungle of Egg threads have grown to such volumes that it is hard to keep up. Suggest this thread be used like a quick index to navigate to other threads with full details -- the sheer number of successes will encourage others being put through the same ordeal by Egg.

 

Egg is in retreat. Lets turn it into a rout.

 

 

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  • 2 weeks later...
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No offence to anyone, but if you let them attach a confidentiality clause to your settlement, you are letting them build that legend.

 

There is no reason whatsoever to let any bank attach any conditions to your claim. YOU are the claimant, THEY are the defendant, and there is no legal or moral reason whatsoever to accept them setting conditions to refunding you YOUR money.

 

Out of all the bank claims on my sig, all but one of them tried to impose confidentiality. I refused on every one of them. And got my money on every one of them.

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Joa mentioned in his thread that Egg has switched law firms and now Egg appears to be falling into line, refunding like other institutions and no longer fighting to the last ditch wasting everybody's time -- cheers to all still going through the process.

 

Apparently Egg insists on a confidentiality agreement in every case, hence we have heard but a fraction of the success stories, without the heart-warming names and figures. No way can open secrets be covered up for long.

 

Message to Egg -- please pull your finger out of the dyke. The deluge is coming in spite of you.

Admanbo80 - won on 20th December 2006.

 

Johnnie Reclaim - won on 21st December 2006.

 

Joa - won on 22nd December 2006.

 

CAG Claimants 9 - Egg 0 icon10.gif

 

 

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i have claimed against several banks and 4 have tried t attatch a confy clause i do hope i will be the first to get payout without accepting the confy clause i am looking forward to seeing their confy clause

bring it on egg just try and break me if you can

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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With the greatest respect to you Mistermind, I have not won!

 

Egg have offered a settlement figure to me which is incorrect, bound by unacceptable terms. Therefore I am unable to accept Egg's offer.

 

The battle is not over in my case!

 

Mistermind, I can appreciate that by compiling a list of successful Claimants may provide great encouragement to others, but obviously the list has to be correct. Your statement: "Angry Cat won on 30th December 2006" is wrong, I have not won but simply been offered an amount of money.

 

As soon as the Courts re-open, I intend to amend my Claim and or, issue a further Claim against Egg.

 

No offence intended.

 

AC

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Thank you Angry but Polite Cat, there is no greater compliment to a thread than an inaccuracy pointed out by readers.

 

Painting an impression on New Years Eve, the ranks of the Allied forces are massed outside the Brandenburg Gate, and the lawbreakers are hiding and squirming in the underground bunker unable to face unconditional surrender.

 

CAG Claimants 9.5 icon10.gif -- Egg 0 icon9.gif

 

 

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  • 2 weeks later...

----------------------------------

On a different note, I read in Betfair forum the following interesting posting re delaying tactics, i.e. having settled in other similar cases, what is the bank's intention in making as if it wants to fight another case -- apart from dragging out the process as long as possible, and intimidating claimants who are laymen at law!

Such blatant time wasting will not be tolerated by the court.

------------------------------

 

Neil Warnock AKA Colin ******

 

10 Jan 10:45

spacer.gifIn Lincoln, a district judge put on the orders the following

 

IT IS ORDERED THAT

 

The Court of its own motion is considering striking the Defence out as an abuse of process on the basis that it has settled all previous claims of this nature. If the Defendant objects to this course of action it is to file at Court within 14 days, a Schedule setting out a list of all claims it has pursued to trial and all claims it has settled.

 

 

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Is this a 4th case where this has happened at Lincoln, the other 3 being myself (kazzaw) v LTSB, mahatmacoate v LTSB & jodyperry v NatWest?

 

If this is a fourth case which bank is the claim against?

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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Roll of Honour - full refund won from Egg:

 

.5th December 2006 - Yasmin

13th December 2006 - Mcuth

20th December 2006 - Admanbo80

21st December 2006 - Johnnie Reclaim

21st December 2006 - blackcatchillers

22nd December 2006 - Joa

28th December 2006 - waynedear

28th December 2006 - Sassylass

28th December 2006 - Feergal71

13th January... 2007 - Kazzaw....... (without confidentiality clause)

13th January... 2007 - KateandPete (without confidentiality clause)

 

..CAG Claimants 11 - Egg nil

 

 

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Hi,

 

I know some people were also trying to get their default removed. Has that happened to anyone who has won his or her case?

 

 

Thanks,

Hondamad

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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Hi Mistermind-

 

The following is the Egg Roll of Honour:-

 

Re: V-E Day: Victory over Egg

 

--------------------------------------------------------------------------------

 

Roll of Honour - full refund won from Egg:

 

.5th December 2006 - Yasmin

13th December 2006 - Mcuth

20th December 2006 - Admanbo80

21st December 2006 - Johnnie Reclaim

21st December 2006 - blackcatchillers

22nd December 2006 - Joa

28th December 2006 - waynedear

28th December 2006 - Sassylass

28th December 2006 - Feergal71

13th January... 2007 - Kazzaw....... (without confidentiality clause)

13th January... 2007 - KateandPete (without confidentiality clause)

 

..CAG Claimants 11 - Egg nil

 

Plus:-

 

18th January... 2007 - Schnide (without confidentiality clause)

 

Because my Court hearing is on Monday 29 January, I really need the Claim Numbers plus amounts & date of the winning Claimants!

 

I have trawled the Litigants Concluded forum and the only Egg Claimant showing that I can find on that forum is maroonfox5 that has had their Claim settled.

 

It would really help me and other future Claimants against Egg, if the County Court Claim Numbers plus amount claimed could be added to your roll of honour. Obviously, the members Claim Numbers, who accepted the confidentiality clause should not be added.

 

Angry Cat

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Dear pussycat,

 

With your hearing on Monday there is hardly much time left, and not everyone visits this site every day. To ensure making contact in time, I would have thought it best for yourself to send a PM with as much tact as urgency, to the 3 winners who were happy to make public their unconditional victory. Best of luck!

 

I have always got on well with cats, so am not scared of same.

But to the Egg I say: be afraid, be very afraid.

 

 

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It would really help me and other future Claimants against Egg, if the County Court Claim Numbers plus amount claimed could be added to your roll of honour. Obviously, the members Claim Numbers, who accepted the confidentiality clause should not be added.

 

Angry Cat

 

Here's mine:

 

KAZZAW V EGG

 

Claim number: 6QZ73946

Issued: 17.10.06

Court: MCOL

Charges: £300

Interest: £93.51

Costs: £50

Total Claim: £443.51

 

Transferred to Mansfield County Court. Bundle to be submitted by 18/01/07.

 

Received cheque for full settlement inc interest to 20/01/07, £451.79 on 16/1/07

 

Hope that helps AC. ;)

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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And mine..

kateandpete vs. Egg

Claim number: 6WA02787

Court: Warrington County Court

Issued:16/11/06 approx

Acknowledged: 28/11/06

AQ's filed by: 08/01/07

Settlement in full sent on: 9/01/07

Total sum: £456.72 (of which £320 charges, remainder interest charged on penalties, 8% interest on both and...)

Court fees: £50

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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Possession may be nine points of the law,

but the tenth point has arrived -- repossession by bailiffs:

http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=430129&in_page_id=1770&in_page_id=1770&expand=true#StartComments

Customer sends bailiffs in to seize bank's computers

Declan Purcell: Striking a blow for the customer

 

A man who was fed up with paying massive bank charges decided to give one of the high street giants a taste of its own medicine. When Royal Bank of Scotland refused to refund £3,400 charges that Declan Purcell believed he was owed, he sent in the bailiffs.

Stunned customers at his branch of RBS watched as debt collectors seized four computers, two fax machines and a till filled with cash. The branch manager was told that the items would be sold unless RBS came up with the money owed to Mr Purcell. Only when the manager gave an undertaking that the debt would be paid did the bailiffs leave.

Mr Purcell said: "I think the bank was pretty shocked when the bailiffs went in. But my view is that this is exactly what they would have done to me." The move, which will raise a cheer from millions of other bank customers, is part of a consumer fightback against bank charges, which net an estimated £4.5 billion every year.

Every time a current account customer goes overdrawn by as little as £1 most banks will charge around £28, even though the administration cost is only about £4.50. Then every cheque, direct debit, or card transaction that goes through or is bounced incurs another charge of up to £38. The Office of Fair Trading is investigating whether banks have implemented these charges unlawfully. The Daily Mail's Fair Play on Charges campaign and that run by the Consumer Action Group have helped thousands reclaim charges in the past year.

Like other customers Mr Purcell, 48, from East London, had warned his bank that he was prepared to go to court to claim back charges he believes were imposed unlawfully. In June last year he demanded the refund of £3,400 charges he accrued during the previous six years while running a motorcycle dealership. RBS ignored the claim so in October Mr Purcell filed an online application to get the money back through the county court.

 

After 30 days the bank had not responded and so on December 10 the court ruled in Mr Purcell's favour. It ordered RBS to pay the charges and £120 court costs. When RBS again failed to respond Mr Purcell got the court to give him a warrant of execution, allowing him to order debt collectors to reclaim items from the bank equal in value to the amount he was owed.

Finally on Monday, January 8, a team of debt collectors walked into the busy Camden Town branch in North London, demanded to see the manager, showed their court order and announced that they were repossessing items.

Mr Purcell, who now works for London Underground, said: "I was dismayed by the bank's reaction when I made my claim for a refund – it was so rude and arrogant. They thought they were above the law, so it is great to know that customers can use the law in the same way the bank does to get money they are owed."

A spokesman for RBS said: "We are looking into this as a matter of urgency, but early indications suggest that unfortunately due to an administrative error, the bank failed to defend the claim leading to a default judgment being obtained on the branch and a resulting warrant. "The confusion was cleared up at the branch."

Marc Gander, who set up campaign website Consumer Action Group, which helps consumers get refunds from their banks, said: "I am quite sure that Mr Purcell will not be the last person to send bailiffs in to his bank. The continued operation by UK high street banks of their unlawful charges regimes will see to that. "The heavy-handed debt collecting approach is something that the banks have been handing out to their customers for years. Mr Purcell simply gave them a bit of their own back."

 

 

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