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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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Claiming beyond 6 yrs - important new information!!!


BankFodder
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We think that claimants should consider claiming beyond 6 yrs.

 

Firstly, the charges campaign has been in full swing now for a good year. The banks were well aware of it a year ago and also the OFT report highlighted the law and the bank's obligations - just in case any of them were at all in doubt.

 

To my mind this is good evidence that any bank which continued its charges regime after the date of the first OFT report has been concealing its charges regime and therefore has lost the protection of the Limitation Act.

 

I do not believe that the Limitation Act offers any long-stop mechanism so that if you concealed the facts one year ago then you do not merely accrue an additional year of liability. I think that a single instance of concealment invokes s.32 and the limitation barrier falls away completely.

 

Concealment amounts to a question of the morality of the defendant's action. Once this is established then I do not believe that the courts will strive to give them any help.

I understand from Zootscoot that this view is also confirmed by case-law.

 

In fact it seems even if a concealment has occurred even after the breach in question has occurred, the limitation period still falls away.

 

If the banks want to challenge this then it is up to the claimant to respond at least with the arguments above and then if the bank want to rebut this, they can rebut it with a statement of truth.

I doubt whether any of them would dare. They are already getting in too deep as it is.

A statement of truth which is made knowing that it is false or reckless as to its truth is a contempt of court. I do not believe that the banks would go this far

 

We would urge all claimants to claim as far back as they can.

In the case of the Yorkshire and Clydesdale banks we would suggest that even where claimants have accepted full and final settlements or have accepted compromise settlements that they should now go back for anything outstanding on the basis that the Whistleblower disclosures show that there has been concealment and that any full and final agreements are now vitiated by that concealment.

 

We expect to be giving the same advice in respect of other banks as more information surfaces - as it surely will.

 

However, we consider that beyond 6 years is now just a basic claim.

 

We will be amending templates and so forth in the coming days

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Hello,

 

I've just read this post and my heart lifted,,,,,,would this apply to a bank account now closed? Also, I had paid hundreds and hundreds of pounds in costs on a regular basis to Natwest over ten years ago,,,would I be able to claim them back? That would actually change my life:) its so much money

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Concealment amounts to a question of the morality of the defendant's action. Once this is established then I do not believe that the courts will strive to give them any help.

I understand from Zootscoot that this view is also confirmed by case-law.

 

Hi BF

 

Great news just what everyone has been waiting for

 

Would it be possible for you to name the cases mentioned by Zoot for reading up on?

 

Thanks

 

Jules

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So, if I have sent off a SAR recently, and they have replied with stating that they only hold information, in the format of bank statements for a period of 6 years. I should now contact them asking for any and all information held in any format defined under the DPA, giving the reasons as per bankfodders OP

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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sure i read somewhere recently of a woman who reclaimed 10years worth of payments but she had all her old statements.

 

the problem as I understand it is that the banks are only required to keep 6years worth of details(or provide 6years) and this is the only thing stopping claimants going back further.

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Barclays do keep 12 years of statements; though I suspect they may start warming up the furnaces soon.

18/11/2006 Recieved Statements from Barclays.

20/11/2006 Sent Prelim for return of £575.

27/11/2006 Received offer of £290.

4/12/2006 Sent LBA.

8/1/2007 Filed Small Claim at court.

12/02/2007 Full settlemant from Barclay's.

12/02/2007 LBA sent to Mint.

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Here's a caveat:

Do not think that your repayment will be automatic. The banks are likely to dig their heels in even more. However, you should dig your heels in too. If they want to argue it in court then that's fine. We are all ready.

However, they are most unlikely to go into court and by claiming pre-6yrs, the stakes for them are raised even higher and now there is a good argument to dislodge the limitation barrier.

 

Of course there is the problem of getting statements but I would say that all banks keep their records for a very considerable period of time.

 

The Abbey, for instance keep their records back to 1926.

 

We have seen the tricks which the banks have used in the past to prevent access to personal data.

 

Both Barclays and Abbey have been found to be in breach of their statutory obligation.

The BBC showed the culture of dishonesty which exists within Barclays.

Watch out for dirty tricks generally in any bank.

 

 

However, our advantage is that we receive and share so much information from our Users and also helpful information from bank staff who are sickened by the attitude of their employers that I am sure that we will always have access to the truth.

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Great news, I'll be sending some letters to Barclays for "old" credit card accounts after the Easter Break - they'll no doubt owe my OH more than he owes them!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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This is good. I think the banks will definitely dig their heels on this.

Couple of points on this:

1. What if the banks say they dont have any of details of charges further back is that you stumped?

2. Is this England only? will it cover Scotalnd, bearing in mind that the Scottish small claims only have a £750 limit and that you're into the Sheriff court system.

Does anyone know of anybody who has actually claimed further back and had a success?

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Over 6 years???? That's fascinating. Both hubby and I ended up with CCJ's in about 1993 via Barclays Bank. Both were for around £500 I recall, all purely bank charges. In a nutshell, I wasn't working, had three tiny children and hubby got made redundant (at a time when everyone around us was, the recession I beleive they called it.........Nigel Lawson "Unemployment is a small price to pay to keep inflation down" ...

 

If I was to send SARS to Barclays without knowing any account numbers for around 1990-3 Would I realistically have any chance of receiving the statements?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Would anyone know how long the royal bank of scotland and halifax keep our account records for? If this all works out then like a previous member to this thread my life would change considerably. They have taken that much money from me in the past whilst bringing up a family.

 

I recieved 15 years of Statements from RBS

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does this apply in scotland aswell as i have heard that you can only claim for 5 years in scotland.hopefully it does!i have at present got a sar in on intelligent finance and one in on the bank of scotland.35 days gone and still waiting. do i chase them up or just wait till the 40 days are up?thanksandromeda411

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Dont worry about the requst to the bank, I was told by HBOS that they had to bring extra staff to deal with the demand! Speak volumes dosent it. I sent off for mine at the start of february and it was the end of march before I received anything back. Hold in there.

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I recieved 15 years of Statements from RBS

Did you manage to claim the lot back or did you go for the statutory years?

Tell me, did you get Parcel Force to deliver them? ha ha. I only got 5 years and it was 30 odd envelopes.

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Following a conversation with a friend who's currently reclaiming charges, we have come to the cross roads regarding getting the information from over 6 years ago. We both have closed accounts with HSBC who have written as per my post above, to advise they do not keep details over 6 years old.

 

I have been asked to verify if then in this situation, should you put in a claim for a 'set fee' i.e. £500/£1000, and then make the bank verify that this amount does not reflect the charges i.e. by producing the actual details of the charges on the account?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

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Good to hear your views on this BF, I am now going to claim further charges from Barclays, HSBC and Abbey.....:)

 

Will you still be amending the templates??? I would prefer to use the CAG wording for my letters :)

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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I have had 12 years of statements supplied by Barclays and have done prelim and LBA, both deadlines are up. However due to the POC I am putting forward which has been created with the help of others here and over the road, I am sending a final LBA just to be safe.

 

Then when I have the money to file I will be hitting them for 1996-1999 with CI.

 

Bankfodder, I would be interested in the case law you have refered to that Zootscoot has. Could you pm me some links or post them here.

 

Thanks, and this is not before time.

 

Tanz

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Bankfodder, I would be interested in the case law you have refered to that Zootscoot has.

 

The one relating to concealment occuring after the cause of action is Sheldon v RHM Outhwaite (Underwriting Agencies) Ltd [1996] AC 102.

 

I'n not sure if it is available on the web.

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