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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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£3,000k barclaycard!!!!!!!!!


nathal
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Hey,

Recently went into talks with barclaycard about reduced settlement, full and final settlement. They offered me about 70% i accepted. They gave me three months to pay.

Anyway one thing led to another and i hadn't the money in time.

Did not send any money!

No contact until recently, i received a letter saying thank you for your payment which has been accepted as full and final settlement of the account.

 

A week later they send another letter saying they made a mistake!

 

The debt has now been sold to my friends cabot.

Does this letter give me any leverage?

Could i send a copy to cabot say?

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Their mistake as far as I'm concerned! If you have a letter saying you paid in full - that's all you need! Of course... you never received the second letter, did you..? ;)

 

I'd say nothing to Cabot. If they get in touch with you - tell them to prove it! YOU can 'prove' to the contrary.

 

My opinion anyway...

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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What sort of leverage are you looking for? They made a mistake and they rectified it, sadly for you they are allowed to do this.

 

How much of the £3k is charges? Whatever is comprised of charges, claim back. The rest is money you have spent, so pay it back.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Their mistake as far as I'm concerned! If you have a letter saying you paid in full - that's all you need! Of course... you never received the second letter, did you..? ;)

 

I'd say nothing to Cabot. If they get in touch with you - tell them to prove it! YOU can 'prove' to the contrary.

 

My opinion anyway...

 

This is just dishonest. The whole point of this site is to help us with claiming unlawful charges, not wriggling out of financial responsibility or stooping to the level of the banks.

 

Anyone can make a mistake. There is no specific proof that the debt is paid because the second letter exists, regardless of whether nathal admits receiving it. The law cuts both ways and all Barclaycard have to do is produce a copy and it will be accepted in law that it was posted and received.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I don't know who Cabot are, but if they are a debt collection agency, they DO have to prove that they have the right to collect the money.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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I don't know who Cabot are, but if they are a debt collection agency, they DO have to prove that they have the right to collect the money.

 

Cabot are a DCA and yes, they do have to prove that the money is owed, but don't you think that we have a moral obligation to be honest and upstanding when we conduct our financial affairs? Particularly as we are engaged in claiming charges that are unlawfully applied. We can hardly demand the return of unlawful charges whilst behaving unlawfully ourselves.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I think you misunderstand me. I am NOT suggesting nathal be dishonest, and I am also NOT suggesting he doesn't pay the money back.

 

However, the BANK have made a huge error by sending this first letter, and, whether you say that 'everyone makes mistakes', I'm afraid I do not apply the same leniency to large corporations such as banks as I do to private individuals. There have been many cases where banks have paid money in to wrong accounts and, as it was THEIR error, they have had to stand by it and lose that money -

 

THEY can afford it. Let's not start endowing the banks with personalities and feelings.

 

Banks should simply not make errors like this. They are supposed to PROTECT our money and our interests. Yet, constantly on this site they are making huge errors like this. They are sending confidential information to incorrect addresses, paying money in to wrong accounts, sending out the wrong information..... Imagine that the error was made in the bank's favour, and Nathal HAD made payment, and the bank said he hadn't? The bank would certainly be asking for proof, and they certainly wouldn't make suggest that 'it's ok, Nathal - everyone makes mistakes'.

 

I still say that Nathal wait for Cabot to get in touch, and ask them for proof. There is nothing dishonest about that. If Cabot are able to prove it, then obviously he should pay the money back (at a sum he can afford). However, if they cannot prove that they should collect the money, then Nathal does not owe Cabot a penny.

 

My ;) comment about not receiving the 2nd letter was merely to make light of what is probably quite an upsetting and worrying situation for Nathal.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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I understand your point of view perfectly. However, if a bank makes a mistake and choose to write off the amount then all well and good but one can hardly expect them to and in many cases they do not. Like it or not, they do make mistakes and they are entitled to rectify them, as they have in this case.

 

We are engaged in fighting the banks because they have been profiting from our mistakes. By this I mean that most of us do not deliberately go overdrawn or bounce cheques on purpose etc. We have exposed the banks and are fighting back yet you expect that the same standards do not apply to us. Why should we profit from mistakes if banks should not?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I'm not sure how you see that we would make a profit from the banks mistake..?

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Anyway, getting back on topic.

 

The letter does not give you any leverage.

 

If you wanted to try to claim that the letter absolves you of any responsibility then you could, but not only is that dishonest it may also be fraudulent.

 

You could send a copy to Cabot but Barclaycard will simply inform Cabot that it was a mistake and Cabot will pursue you anyway.

 

How much of the £3k is charges?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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I'm not sure how you see that we would make a profit from the banks mistake..?

 

"There have been many cases where banks have paid money in to wrong accounts and, as it was THEIR error, they have had to stand by it and lose that money -"

 

 

Is that not profit from a bank's mistake?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Profit? no. Mistake? Yes.

 

Nathal - I hope I have made my point, and quite clearly. hagenuk's point about how much of the 3k is charges is relevant. You will quite possibly be able to reduce the debt substantially.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Profit? no. Mistake? Yes.

 

.

 

Of course it's a profit. There are many definitions of the word "profit" but the one that fits here is:

A benefit, advantage or gain, particularly a pecuniary gain.

 

We talk of the banks profiting from the misfortune of customers through excessive and unlawful charges so would an amount paid into an account in error profit the recipient?

 

Regardless of whether it was a mistake or not, it is still a profit.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Didn't mean to raise such a heated debate..

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Surely just a good natured discussion?

 

Nathal, do you know what proportion of the £3k is charges?

 

If so, are you quite happy with what you need to do in order to claim those back?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Yeah approx about £1300 + interest.

Keep you posted as i progress

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Thanks Nathal. Do that.

 

It is also worth looking in to the Equitable Estoppel law. it is mentioned in the Joneshousehold case here: http://www.consumeractiongroup.co.uk/forum/abbey-bank/1889-another-claim.html

 

Good luck!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Share on other sites

Just realised cabot are dealing with my citi card account. So many dca's. Coming out of my ears...

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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