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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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LloydsTSB Collections Department


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I've just been reading this...

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/81799-issues-raised-llloyds-bank.html

 

 

I had a conversation with an asian advisor in the LloydsTSB Collection Dept some time ago. He told me that these charges are a punitive measure.

 

From memory:

 

(heated debate for 15 minutes, then)

 

WeeDom: You still haven't told me what this charge actually covers... what am I paying for?

Advisor: You're not paying for anything... it's a punitive charge for being overdrawn.

WeeDom: A "Punitive" Charge? So you're punishing me for not having enough money?

Advisor: No, sir. It's not a punishment.

WeeDom: That's what punitive means! Can I just confirm... this is a punitive charge, so you're stating that Lloyds is punishing me for being in financial difficulties?

Advisor: It's not a punishment, it's a punitive charge.

WeeDom: ...

 

I think I diaried the conversation, I'll dig out last years notes.

 

The advisor went on to say that LloydsTSB were there to help me, and would loan me the money to pay the charges. He seemed genuinely surprised when I didn't appreciate his generosity.

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  • 11 months later...

Yes it might look wrong, but I can tell when i'm diverted to another country call centre, and not to a British Asian working in this country.

 

Might be the cracky line, or that somethings not quite right.

 

What I do know is that, lots of British people lose their jobs to call centre staff far far away, because the company wants to save costs, and don't want you complaining.....what better than to put someone on the other end of the phone who doesn't give a toss about our laws or culture and most importantly how we speak to each other (not like their robot speak!!).

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Oh dear...

 

The Army Surplus store appears to be fresh out of tin hats.......

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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I would say that the fact that the banks use call centres based in foreign countries is a direct representation of how important their customers are.

 

They would rather employ someone who speaks broken English, in a country thousands of miles away who has no understanding of our culture, or in many cases the geography of our towns. For instance when dealing with '3's' Indian call centre I was asked if I would be able to pick my new phone up from the depot in Reading - I live in Yorkshire.

 

The point is that you can be as politically correct as you like but the second you call customer service and you speak to someone who is clearly in a different country you are immediately irritated. Not at that person but at the fact that the banks don't even care enough to employ someone who has the necessary English and understanding of customer service in this country to deal with any issues you may raise.

 

In WeeDoms instance I don't think the reference to an 'asian' is being used to be detrimental to the member of staff involved or in a racist way, but merely indicates the familiar annoyance we all encounter when we can not speak to an advisor in this country.

 

It seems to me we are all a little too politically correct these days.

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  • 2 months later...

I've just come back to this forum after being untroubled by the Collections Centre for a while. They've raised their despotic heads again, so now I'm active here again,for a while. Selfish, I know, but hopefully I'll raise a few grins and, with luck,a few good points.

 

First off, I deeply resent the implication that I am "racist". I'm not going to try to back that up with examples of how not-racist I am. Just accept it,or call me a liar to my face.

 

The biggest single problem is language barriers/difficulties - day in, day out, foreign advisors deal with people who they cannot understand due to language difficulties (Geordie? Aberdonian?) and this is bound to fuel frustration on their part. I have dealt with customers, in my last job, who have been through the "Asian Helpdesk" experience, and I have felt deep frustration coming from both ends of the telephone line. The Asian helpdesk can't understand the (broken? certainly dialectal) English of customers, and the customer can't understand the broken English of the advisor.

 

No-one, from a customer service point of view or from the employees point of view, is helped by this.

 

Importantly, empathy is intrinsically hampered. When I was working in a call center for a UK telco, dealing with UK people, I could put myself in their shoes. Little old lady unable to pay her bill - yeah, I could see the worry, the mottled carpet, the pension stretched. Young single mother calling from a call box cos her line wasn't working - yeah, I could see where she was coming from, I could understand why she was fearful of being isolated without a landline. I could, quite literally, put myself in their shoes because I had met "them" at some stage in my life.

 

The exact same problem applies to teenage school-leaver employees in UK call centres, in my experience. They can't empathise effectively, as they simply haven't been in enough situations to be able to. This is an important point - I would use the same disparaging tone if I was consistently required to deal with 17 year-old Collection Centre employees of LloydsTSB whose only point of escalation was another empathetically challenged 17 year old.

 

To summarise - the mention of the word "Asian" was meant to imply that the conversation was off to a bad start,and the advisor and I both knew it. I've had nothing but rudeness and incompetence (bred by language barriers and empathetic barriers) when dealing with the Collections Centre abroad, and nothing but courtesy and assistance when dealing with UK folks - be they of Asian descent or not. It's about empathy - and the Asian call centre staff, to a person, have displayed absolutely none.

 

This is not racist - simply a matter of bald, uncomfortable truth.

 

Cheers

WeeDom

(grrr... don't call me racist!!!)

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it is not the call centre workers' fault, it is their (western) employers.

 

simple solution, don't open indian call centres (or Philippines), keep them here. Why not then?

 

(CLUE : maybe it's the low cost of wages (around £100 a month), office space, and everything else).

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