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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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Hennie v Sainsbury's Credit Card


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Not sure if this is in the right place as I've not seen any other threads for Sainsbury's, I'm assuming they're owned by the Bank of Scotland.

 

I sent my initial request for repayment on the 2nd June, and they have not responded, so just about to send my LBA.

 

Has anyone had any experience of claiming charges back from Sainsbury's Bank?

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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  • 3 weeks later...

Had a letter offering me half of what I was claiming.

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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hi Hennie, hold out for the full amount. you can accept it as part payment but reserve the right to proceed with your claim for the rest. DO NOT SIGN ANY OF THEIR LETTERS WITHOUT ASKING ON THIS FORUM FIRST! BE STRONG ITS YOUR MONEY :D

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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I've just received a Sainsbury's Bank Credit Card Bill today with the following charges on it:

 

Unpaid Direct Debit: £20

Overlimit Fee: £25

Late Fee: £25

 

Total: £70

 

I phoned them today and told them that I was aware that my direct debit had failed and that I'd phoned them as soon as I realised to make payment (the DD failed on 11 July, I rang them to make a payment of £100 on 20 July).

 

I managed to get one of the £25 payments refunded and then asked about getting copies of my statements sent to me, as I know I've clocked a few of these up in the past few years- probably around 7 or so in 5 years. She said that that was a ridiculous request to be making and that it would take ages to do- I'd need to be more specific! I then asked to get a breakdown of all the charges over the years- I was then put on hold and my call was never retrieved.

 

I also queried the OFT's findings- she said they didn't apply to August. Presumably they're trying to make the most out of me in July!

 

They are, definitely a part of the Bank of Scotland, the way.

 

I've just started a full-time job after years of being a student and in about a month or so I'm going to pursue the Bank of Scotland for all the charges they've given me over the years. I'll keep you all posted!

 

Great website!

 

Cheers,

Andrew.

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Just to say that I rang Sainsbury's Bank back to see what was happening. The woman apologised that I'd been cut-off previously and advised me that they were sending me back copies of all my statements and that I wouldn't be charged for them being sent out! I don't think they actually have fleeced me for much over the years- probably £100 or so, but I'm going to have a go anyway!

Cheers,

Andrew.

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Hi,

 

I phoned Sainsburys last week asking were to send my Data Protection letter to, the chap I spoke to knew all about it and said they would send out 6 years worth of statements free of charge, however they were about to start charging in August.

 

So anybody who is planning to contact Sainsburys do it now.

 

I think these are probably ready for the onslaught, but i also think they have not been to bad for me in the years. Thats not an excuse and I am still chasing MY money, no matter how little it is.

 

Stef

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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got my statements today, all good and quick service

just to let people know.

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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  • 1 month later...

Just a quick update:

 

After declining their offer of half, Sainsbury's have now paid up in FULL with £5 interest after sending my LBA :) Didn't even ask them for any interest (bonus!)

 

Good luck to everyone else taking on Sainsbury's Bank

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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Latest development:

 

Got home tonight to find letter from Sainsbury's.

 

Basically along the lines of.......my card is about to expire, and having reviewed my account, they have decided that they will NOT be reissuing another card!

 

Looks like Sainsbury's are taking their bat and ball home. The fact that I've only claimed £100 from the 5 years I've been with them, just goes to show that I've kept my account in reasonable order, with just the odd few oversights. I've never been over my credit limit & always try to pay a bit more than the minimum payment. If I had £3,000 I'd pay the lot off and tell them to stuff it!

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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