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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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Who are BCW Group plc?


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I have received a letter from Geoffrey Parker Bourne Solicitors, it may be of interest to other members:

 

Dear Sir/Madam,

Re:- National WestminsterBank

Amount now due £2358.20

Client Ref *******

BCW Ref *******

 

We have been instructed by BCW Group plc to write to you concerning your now seriously overdue account with them.

 

Unless you contact our instructing agents BCW Group plc on 0871 244 2800 quoting the above reference number within the next 72 hours with a repayment proposal, we will advise our clients to issue a claim for recovery in the county court.

 

You must note that in this event the sum for which they sue will include solicitors costs, court fees and interest which will add significantly to your debt.

 

We have been specifically requested to point out that should our clients obtain judgment against you this may be registered at both the county court judgments registry and the main credit reference agencies. This could seriously affect your ability to obtain credit in the future for up to six years.

 

Please note that we are instructed not to enter into correspondence with you on this account but to refer it back to BCW Group plc, 11 Elm Court, Arden Street, Stratford-upon-Avon, Warickshire, CV37 6PA.

 

Yours faithfully,

 

Geoffrey Parker Bourne

 

 

 

Does anybody know who BCW Group plc are? are they connected with Natwest Bank? I have been writing letters to Natwest for over 12 months and have had some small success in claiming back excessive fees and charges. But i decided that I'd had enough of jumping through Natwest's hoops every time they charged me. Therefore I have estimated how much they owe me in fees and charges and then spent this amount in the hope of putting the ball squarely in their court. If they wish to take me to court they will have to prove that their fees and charges are fair and lawful. I will of course make a counter claim.

 

I did write about my case on the Yahoo forum some time ago but I can do so again on this forum if anyone is interested. I am just in the process of writing another letter to Natwest as I have stated to them in writing over and over again that I am not prepared to discuss this issue over the telephone. I will put a copy of the letter here when it is written.

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BCW Group plc

 

This is who they are. you should try a search. They are a PLC so unlikely to be directly connected to NatWest. They do not have to prove you wrong just the figures and if you have added interest you could come unstuck. You need to firstly state that the amount is in dispute. They look like a Debt Collection Agency to me by the way. While the amount is in dispute send a SAR for the statements and calculate what you are owed correctly to the penny not a wishy washy estimate. Once you have your figure then you may find they(natwest) will owe you more that you owe them.

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Thanks for your reply. I have already got my statements from Natwest but this wasn't the information I requested. They hold on their data base all fees and charges they have applied to my account, it is this information that I requested. Natwests statements are the most difficult to understand that I have come across, add to this fees and charges that have been refunded at different times and it is almost impossible to decypher them. I wrote to Natwest in September 2006 Disagreeing with the amount I owed to them as apposed to how much they owed to me in excessive and unfair fees and charges. Therefore I have moved beyond the stage of sending an SAR. The reason I have made an estimate is precisely because Natwest have not furnished me with the information I require to make an exact calculation of what they have taken from my account.

 

At present I have not added interest or taken into account the excessive interest added by Natwest.

 

Natwest already knows that I have disputed the amount owed and I stated in my last letter that I was prepared to defend my case in court. Surely if the amount is in dispute they cannot call a debt agency in to collect the debt?

 

If they take me to court surely as the defendant it would be I who would need to prove that their figures are wrong (which I can easily do) and it would be up to them to prove their figures are right. As apposed to me taking them to court where the onus would be on me to prove that my figures are correct and for them to prove that my figures are wrong.

 

If they took me to court and I proved that their figures were wrong would they lose the case and have to bring another case against me with revised figures? or could the amount be reduced by the court to a lower figure? Put another way - would it be a sudden death decision where an exact amount needs to be proved (all or nothing)? Or can the judge decide on a figure after hearing evidence? If the second way was true then I would need to have exact figures. But if Natwest needed to prove the exact amount as stated then all I would need to do is prove that their figures are wrong due to unlawful fees and charges applied to my account.

 

Any help on the legal issues I have raised would be much appreciated.

 

I am sick and tired of writing letters and threatening court action everytime they apply these punitive fees and charges. I am now making Natwest jump through my hoops.

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I think if they took you to court you would soon find the debt diminish substatially. If they failed to supply you with the info then have you reported them to the information commissoner;s office or taken steps to take them to court on non compliance?

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I threatened to report them to the Information comisioners office after I had waited 6 months for the required information (a long time, I know, but I had other pressing issues to attend to at that time). Within a week they had sent all my statements. It has been their usual tactic to send out statements when people ask for information. I want to push it further by gaining the exact information I have requested.

Many people on this forum have gained refunds from banks but then the same thing happens again and again and again. The banks are milking their customers for cash and if a customer complains loudly enough and threatens court action then, and only then, do they get a refund. The banks try every stalling technique they know, even threats, to put people off from getting their refund. I have read the horror stories on this forum and I know that many people do not like to complain or are scared of taking on these goliath companies. Some are worried about what the future will hold if they fail. The only way this can be stopped is if the law is invoked in favour of the customers. The only way this can be done is through a court decision on the legality of these fees and charges. How many have tried to take their bank to court? how many have got to court? How many cases have the banks defended?

 

I have decided that i no longer wish to jump through my banks hoops. I don't want my money back. In fact I already worked out how much Natwest have charged me and I have spent it. Now my bank says I owe them money, fine, they want it they can take me to court. Lets get a decision in court. Thats what I want. their threats do not scare me, I don't own a house or a car, i have no worldly goods to speak of. What is the worst they can do to me? turn up and break my legs with baseball bats? no. Their threats of destroying my credit rating or sending in bailifs do not phase me but I understand that for many people this would be a nightmare that they would not want to walk into. That is what the banks count on, that is why they will not lose, so they have to pay back a few million, small change out of the 4 billion plus pounds they're making every year.

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You maybe need to read Vampiress's battle and Mcuth for information, Vampiress has a court order, Mcuth was close to doing the same for compliance. £4 billion pounds is spread out between huge numbers of people, my gut feeling is that it is a figure misquoted to a degree and does not incorporate other fees not penalty charges related.

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I have written a letter to BCW Group PLC. I was not aware that Natwest had moved the collection of the "debt" to another company. It will be interesting to see what their reply to my letter will be. I include the letter here for information.

 

client Ref: ******

BCW Ref: *******

 

BCW Group PLC

11 Elm Court

Arden Street

Stratford-upon-Avon

Warwickshire

CV37 6PA

 

Dear Sir/Madam:

I have received a letter from Geoffrey Parker Bourne Solicitors requesting that I phone BCW Group PLC within 72 hours with a repayment proposal or they will advise their client to issue a claim through the county court.

 

What connection does BCW Group have with National Westminster Bank PLC?

 

I categorically state here and now that I do not owe this money. The amount stated is made up of excessive, unfair and, I believe, unlawful fees and charges. I look forward to this issue going to court where I shall enter a robust defence.

 

I have stated to Natwest on several occasions that I believe that these excessive fees and charges are unlawful under the Unfair Terms in Consumer Contracts Regulations 1999 1(e) Schedule 2:

'Indicative and non-exhaustive list of terms which may be regarded as unfair - 1. Terms which have the object of effect of - (e) requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation'.

I also believe that these charges represent a penalty and are therefore irrecoverable at common law. In the Scottish case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498 the House of Lords held that a contractual party can only recover damages for actual or liquidated losses incurred from a breach of contract. This is also the position in English law: Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79.

 

Furthermore, I have on several occasions requested specific information on the amount that Natwest bank has removed from my account in fees and charges from when the account opened until the present time. I have requested this information which I am entitled to under section 7 (1) of the data protection act 1998. The first request was presented to Natwest in writing on 30th January 2006. To date I have not received the information I require.

 

As I have not received the information I require to calculate the exact amount Natwest owes me I can only estimate the amount. I estimate that Natwest owes me approximately £3,000 plus interest at 8% (I am claiming interest under section 69 of the County Courts act 1984). As Natwest claims that I owe them £2,385.20 that still leaves £614.80 that Natwest owes to me.

 

Please note: On all previous correspondence with Natwest bank I have insisted that I am not prepared to discuss this issue over the telephone, all communication between myself and Natwest and their representatives will be carried out in writing. This condition also applies to BCW Group PLC and their representatives.

 

I look forward to your reply.

 

Yours Faithfully

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