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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.  
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    • 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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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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StokiePotter vs Capital One (Old Acc) ***WON***


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Well....

 

After receiving a visit the other day from Wescot Credit Services and then reading up on Unlawful Charges on C/Cards I'm looking at contacting Capital One to find out how they have come to the conclusion that I owe them monies, when the card only had a limit of £200 in the first place?

 

I took the card out in 2004 / 2003? and the nice people at Capital One only gave me a limit of £200 :wink: now I used it once or twice in emergencies and ended up missing 1 or 2 payments (when myself and my partner temp split). Obviously I received 1 or two letters and fastly cleared the arrears.

 

I then made a payment of £300 hoping that it had cleared any monies owed off the card and any charges that the nice chaps had charged me...

 

Let it lie and now a visit from a Collection Chap from out of the blue...

 

Now obviously i intend on hitting them on the rebound if I have paid monies that I could rightfully claim back, last thing I want is a default on my record if they are stating I owe them money for charges that they have unlawfully added.

 

The only details I have in regards to the account is an old expired card I found in my drawer, If I contacted them staing this number could they look into my account and send me the details I need to claim?

 

Regards,

 

SP

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  • 2 months later...

Back again...

 

I requested my S.A.R. which I received back via recorded post on 15th May 2008, ands its all gobbledegook to me.... it has a vague breakdown of when withdrawals were made and numerous £20's going out of the account (charges I assume?!)

 

Now Ive woken the account, I have received a letter from "Capquest" offering me a discounted settlement of the account?!? (Ive got no intention of settling an account if they owe me :)) If I add these random £20's as listed on the statement it comes to near on £400?!?

 

Im a bit stuck now as it doesn't actually state "charges" the format is 3 columns which says "Transaction Date" (no breakdown of the transaction), "Paid In" and "Paid Out"?!?

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steven,

 

Thanks for your help....

 

Please take a look at the images on this link...

Images - Windows Live SkyDrive

 

Thats what I received off Capital One in regards to the info I requested (plus a load of computer screen captures)

 

The first few months of having the card all was A-OK then I split with the girl I was with at the time then it all went a bit pear-shaped :smile:

 

Glad I dont have any cards or any O/drafts now, and if it wasnt for the chap knocking at the door I assumed all was cleared and sorted with Capital One :cool: "Obviously not!" :-x

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Hello StokiePotter!

 

Just have no idea what are actual purchases etc, and which are charges etc....

 

Anybody have any ideas on how I'd find out?

 

I wrote this earlier, then walked off and forgot to Post it! I see Steven has jumped in to help.

 

I was going to say, if you have a Spreadsheet Application, it would be a good idea to enter all of the Transactions via Date and Amount.

 

Then see if the £20 Charges all fall on about the same Day per Month, as Card bankers tend to add Penalty Charges at around the same time every Month. Particularly Late Penalty Charges, as it will be added a few Days after the "Due Date", whatever that is for your Account.

 

Over-Limit Penalty Charges can vary, i.e. when you were using the Card you could've popped over Limit at varying times but usually they added them at the Statement Date. Accounts don't tend to go down unless something was Paid in. But if you were no longer using it, then even these should fall at around the same time.

 

I've now had a quick look at your Docs, and some seem to fit the above pattern, say:

 

08/11/2004 £20

08/11/2005 £20

10/06/2005 £20

11/11/2005 £20

 

But it is very hard to tell, as there are many other £20 debits littered around the place with no real Pattern.

 

You may need to go back and ask them what Charges they levied? They are a Business, so will have to have Business Accounts going back 6 Years. If they Charged you anything in the last 6 Years, they should have a Record of that.

 

What you spent is not the same...it's what they Charged YOU that matters, and they should have a Record of that, as it is their Earnings so accountable to HMRC.

 

Sorry this is not more helpful.

 

Cheers,

BRW

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There will be 2 types of charges - charges for going over you credit limit and charges for late payment, possibly addded on different dates.

 

I think I might go one stage further than BRW and assume that any charge of £20 that was added when you credit limit was exceeded and any charge of £30 were unlawful charges (and that £50=£30+£20) and get them to prove they are not (I will probably get shouted at for saying that ;)) UNless of course, you actually know that you made purchaces of exactly £20 (petrol?) or £30. Presumably they will send you propper details if you have claimed too much.

 

 

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Anybody be able to point me in the right direction for the template to add up the charges (with interest) ;)

 

Also do I put both £20's etc, down as just "Charges" or will one be a late payment fee and the other a card charge?!

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Ideally, you would list what each charge is i.e. late payment, overlimit etc - but as they haven't told you what each charge is then there is no way you can do that so you would just have to list them as 'charges'.

 

Interest calculation spreadsheets here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Excellent...

 

Cheers for the pointers folks...

 

Can I just add, that this site is absolutely Spot On!!!

 

and another Stokie as a Mod "You cant go wrong ;)"

 

Done the spread sheet and it looks like I'm owed, with interest £458.00 ;) serves themself right for sending Mr Wescot round for £200 :)

 

"Bully Boy tactics DO NOT SCARE ME :)"

 

Now the next step is to send a letter with the spreadsheet? Correct?!? Will the letter have to mention that I want the "default" removed from my credit file also?!

 

Do I also need to contact Capquest to let them know to scrap their "reminders" as I am reclaiming charges?!

Edited by StokiePotter
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Just reading through a couple of the other posts and noticed that they are having the same contacts with Capquest...

 

Now I received a letter from Capquest "offering" me a discount and saying they would "match" any payment I made to reduce the balance... very nice of them BUT, Im out to get the whole thing wiped from my file (if Im honest the money part doesn't bother me, just stop the hounding and remove any blotches from my credit file and Ill be happy)

 

Now should I contact Capquest and let them know Im reclaiming charges or just leave it to Capital One to let them know there is no charges to persue?!

 

7 days to go for their initial letter to tell me there charges are fair etc.... :-)

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Just been reading this thread.

 

Seems like a new tactic from Capital One.

 

When you send them a SAR they are supposed to supply you with copies of the original statements that they would have originally sent out to you.

We all seem to accept the summary version of the statements that Capital One sned out in response to SAR's, similar to the ones you posted Stokiepotter.

However in your case Capital One have modifed the summary versions to remove the item descriptions. This is unbelievable and a tactic that can have only been instigated to confuse and frustrate.

 

Personally I would suggest you just stick with the tried and proven routine now. Ignore CapQuest, don't phone them or write to them and certainly do not pay them anything. Let Capital One have their complete 14 days to respond to your initial letter, see how they respond and hit them with a LBA if necessary.

 

You will probably have to follow through with a small claim but once you have done this you can rest assured that Capital One will offer to pay you back all of your charges, all the purchase interest you ever paid them, statutory court interest and your court fee. This will obvioulsy clear your account balance and leave you some cash left over. From this position of strength you can force them to remove any defaults on your credit file.

 

Rgds Budgie

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  • 2 weeks later...

Received the following letter today...

 

Dr Mr XXXXX

 

Account Number XXXX XXXX XXXX XXXX

 

Thank you for taking the time to write to us about the default sums we'vee added to your account. I understand that you think these default sums are unlawful and I'm sorry you feel we've treated you unfairly.

 

To explain, we add late or failure to pay default sums if your payment is missed, arrives late or isnt enough to cover your minimum payment. We'll also add overlimit default sums if your balance goes over your agreed credit limit, which is £200.

 

When we opened your account in October 2004, we sent you a credit card agreement which stated these default sums. By signing and returning this to us, you agreed to the terms and conditions for the account, including the default sums.

 

As you're probably aware the Office of Fair Trading, OFT, hasnt challenged the right of banks to charge default sums. Although we feel £20 is a just amount, we've now reduced our default sums to £12. I appreciate that you have incurred default sums at the higher rate, and I would like to address this.

 

I've reviewed your account and, as a matter of goodwill, I'd like to reduce the default sums we've added to your account to £12 each. This amount totals £152, I would also like to refund an additional £10 as an acknowledgement of interest that you may have incurred. If you'd like to accept this offer, please sign and return the settlement form I've included. Once I get it back I'll add these refunds to your account.

 

Now that we've sold your account, we don't report anything about it to the credit reference agencies. As Capquest own it, it's their responsibility to report on this debt, and you'll need to agree repayments with them for the remainder of your balance.

 

I can confirm that we have issued a default notice on your account, We have a legal obligation to report a true reflection of the way your account is run to the agencies. I am afraid I am not prepared to remove the default notice as the reason you defaulted was due to your account being over its credit limit (please may I add this was due to the charges "they added") and behind with payments, and not due to the default sums we've added. This notice was, therefore, added correctly.

 

I hope I've explained things clearly, but if you do have any further questions, please write to me again. You'll find my address in the leaflet I've included, which also explains our complaints procedure. If I don't hear from you within four weeks, I'll consider this matter closed.

 

Yours Sincerely

 

XXXXXX

 

Now obviously the amount I was claiming was not £152 but more like £450+

 

Could anybody advise me on what to do now... Ive had a look through the letters but cant find any that relate to a "sold" account or the refusal to remove a default notice.

 

Regards,

 

SP :cool:

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