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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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RBOS - 1st letter received. Advice please


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Hi there,

 

I sent my 1st letter off to my local bank last week explaining that I want my charges refunded and I have received the letter below back.

 

I was wondering if this is a standard letter (I know bits of it are but the bits I am unsure of I have highlited in bold. Can someone please have a look to see if this is a standard letter please as I am going to send in letter 2 tomorrow :)

 

 

dear xxxxxx

 

Thank you for your letter dated xxxx and I appologise for any dissatisfaction caused by the application of charges to your account.

 

We believe that our charges are fair, reasonable and transparrent.

We consider the amounts debited to your account have been applied strictly in acordance with your agreement with usand our published tariff, which we are satisfied complies with all applicable laws and regulations. We are also commited to ensuring the transparecy of the info that we give to our customers about the operation of our products

 

Against that background, we must differ to the views expressed in your letter.

Accordingly the charges that have been applied to your account must stand.

 

Thanks etc...

 

 

Can anyone shed some light for me as I think that this isnt a standard letter.

 

The letter was sent by my local branch and not Tommy McLean etc at head office.

 

Thanks in advance.

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It looks pretty standard to me - don't let them rattle you!!

 

Stick to your guns & your timetable - after the 14 days have passed since you sent in your 1st letter, send in the Letter Before Action.

 

You're doing fine, keep us updated!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Thanks for the reply JMio :)

 

It appears that I have mistakenly used a different template for my 1st letter.

 

I sent them the following letter which was replied to above.

 

Dear Sir/Madam,

I refer to default charges which have been applied to my account over the last 6 years by The Royal Bank of Scotland, amounting to £767.98.

I have been a loyal customer of The Royal Bank of Scotland for 16 years.

 

I have always maintained my account well and believe that the charges applied to my account do not reflect the cost to the bank of my account going into unauthorised overdraft.

I therefore ask that you repay the amount of all these charges, £767.98.

I am happy for you to contact me on ******* to discuss the matter.

Yours faithfully

 

 

 

 

I will stick to the templates from here in future.

 

 

What letter should I send my local branch next?

 

 

this one

 

 

or

 

 

this one?

 

 

Sorry for the confusion and thanks for your help :)

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If I were you I would go for the pre-lim one, simpy because you haven't actually stated in your own letter the "legal" reaon you are claiming back your money. You also haven't given them a deadline etc It will only make a difference of about 14 days or so, as that is how long you will give them to reply to the pre-lim letter. If you don't get a satisfactory response after sending that then send the Letter Before Action (LBA).

Good luck.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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Well after I had used the wrong template I realised that I am not claiming enough!

 

I am just out the bank there and handed over 3 letters for various amounts totaling £1100.

 

I had an interesting chat with the lady at customer services and she informed me that she will be sending these to head office as there is a dept there who deal with these sort of claims so hundreds of people must be trying to get their money back from RBOS.

 

Fingers crossed it all works out as the RBOS are robbers without the mask!

 

I will keep you all updated with my progress :)

 

Thanks for all your help :)

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