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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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Going Round In Circles With Rbs, Pls Help


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Have been liaising with Tommy McLean (very nice chap) and he has agreed to pay me £ 2717 owed in charges. However, because i have an outstanding debt on my joint account with RBS (my account is now held with their Credit Mgmt Dept) he says he needs authority from the Credit Mgmt Dept to pay me by cheque. I dont have any access to my joint account anymore, therefore if the money was paid into it i would not be able to withdraw anything. I wrote and spoke to Credit Mgmt and they have refused to give Tommy authority to pay me by cheque. Instead they want to use the money to reduce my outstanding debt on the joint account (i have an agreement to pay back at £30 month). I have spoken to Tommy on a few occassions and he just says its managements decision that if money is owed to an account they will only be able to credit that account, and not pay by any other means.

Seems i have come to a stalemate as neither side will give in. Desperately need help on what to do next. Would it be worth taking this to court to get my money back 'cash in hand' so to speak, or do you think the courts would say RBS are in the right. Also thought of writing to my solicitor to ask his opinion.

Please help.

:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40

BARCLAYCARD £251.31

AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00

:grin:

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Have been liaising with Tommy McLean (very nice chap) and he has agreed to pay me £ 2717 owed in charges. However, because i have an outstanding debt on my joint account with RBS (my account is now held with their Credit Mgmt Dept) he says he needs authority from the Credit Mgmt Dept to pay me by cheque. I dont have any access to my joint account anymore, therefore if the money was paid into it i would not be able to withdraw anything. I wrote and spoke to Credit Mgmt and they have refused to give Tommy authority to pay me by cheque. Instead they want to use the money to reduce my outstanding debt on the joint account (i have an agreement to pay back at £30 month). I have spoken to Tommy on a few occassions and he just says its managements decision that if money is owed to an account they will only be able to credit that account, and not pay by any other means.

Seems i have come to a stalemate as neither side will give in. Desperately need help on what to do next. Would it be worth taking this to court to get my money back 'cash in hand' so to speak, or do you think the courts would say RBS are in the right. Also thought of writing to my solicitor to ask his opinion.

Please help.

 

 

Pauline now is the time to get firmly in the driving seat.

While I am not saying Tommy is not a nice chap I am saying that you have given them enough time on this.

Have you got your statements and how much is penalty charges ?

Have you sent the prelim letter...if not why ?

If so have you sent the Lba ? if not why ?

Tell me is the debt still being administered at Telford ?

who is taking the 30 quid how long have you been paying it and is this a default ?

Enough is Enough and the only thing they will respond to is Court action I know this means dealing with Cobbetts (something most people would rather avoid ) but this is the ONLY way forward.

You can ask in your claim that you be given rights of appropriation to have the money paid by cheque to you but we will deal with this later.

Lets start by having some answers to these questions so we can get a firm plan of action together to put YOU back in control.

If you are reading Tommy....Happy new year...I am sorry but you had enough time to sort this one....if you cant do that then we WILL ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok thanks Pauline I will post that here.

 

Thanks Martin,

Not dealing with Cobbets as i live in Aberdeen, Scotland. I owe £4678 on my joint account and £2084 on my own account, totalling £6763. I managed to get the £450 charges back in cash from my own account, but for convenience Credit Mgmt have merged the 2 accounts together. So i am claiming £2717 on joint account only. I'm not sure if the £30 a month i am paying to pay back on these accounts is a result of penalty charges, but i would think so, as charges wuld have built up on both accounts each month when i could not pay RBS back. I have asked for statements to be sent so i can find out how much i owed RBS before i got into trouble and how much was put on top in charges. I certainly dont remember owing them that much !!!!! The overdraft for the joint account was only £2000 and on my own account was £1500.

I am paying back to RBS direct by standing order. Have started this as a new thread as accidently wiped off my other one !!!!

 

Lets have a think about this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I think its case of sending SAR for statements to RBS

Also sending CCA to Credit man Services for a copy of all your dealings with them in relation to the debts.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Penalty charges are £2717 at the moment give or take a few pounds/pence. I have all the statements for last 3/4 years. I did the usual. Sent Prelim letter, then LBA. Got the usual 'sod off' reply. Then decided to send anther LBA threatening Ordinary Action through my solicitor. That made them sit up and listen. Tommy replied with an offer of £1500 but on the understaning it would be paid into my joint account to which i have no access anymore. I told him i would accept offer in principle but would be claiming the rest. Then had to go through all the stuff re Credit Mgmt etc etc. I came to an agreement with RBS to pay them £30 month to clear the total debts on both the joint and my own account, to which they agreed. The debts includes charges incurred on the joint account only, as i have managed to get back the £450 owed in charges to me from my own account. Am happy to start an Ordinary Action and not scared to do so as will use my solicitor in edinburgh, but if they have agreed to pay me, but not as i want (via cheque) whats my chaces of a judge agreeing to this. Have kept all correspondence and in every letter asked to be paid via cheque.

Hope this clarifys everything. Think our mails crossed each other last time lol

Pauline

x

:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40

BARCLAYCARD £251.31

AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00

:grin:

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By the way martin whats a CCA ?

Spoke to Credit Mgmt this morning and requested statements etc as i wanted to know what the balance on the joint account was before started incuring charges.

:grin: WON

GOLDFISH £291.90

MARBLES £174.47

RBOS VISA £232.19

AMEX (BLUE) £148.40

BARCLAYCARD £251.31

AMEX (BA) £151.50

RBOS M/C £222.00

RBOS (MY ACC) £430.00

BARCLAYS £505.00

MBNA £250.00

RBOS (JOINT) £2975.00

:grin:

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Unicorn96,

 

Two points. It is unlikely that a sheriff will find against RBS if they pay any refund back into your account, which is still open and will continue to be until the debt is repaid.

 

Secondly, the Bank would be entitled to raise a counterclaim against you for the whole amount you owe. You could argue that you have a pre-existing agreement with them to repay this at £30 a month, but by raising the action against them you may be justifying them in defending the action with such a counterclaim.

 

Your best shot appears to be to raise the action and rely on the pre-existing agreement, but if the Bank simply restore funds to your account, I know of no sheriff who would hold that, because the payment was not made by cheque, the claim has not been satisfied.

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