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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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Harassment by MBNA


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MBNA seem to harass people by phone as a matter of course. By harassment, I mean repeated phone calls, sometimes several times a day, certainly several days a week. They often phone family members, workplaces, etc.

 

This type of behaviour is not allowed under OFT guidelines and is possbily an offence under statute.

 

If you are suffering telephone harassment by MBNA, please PM a member of the site team.

 

 

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I had 4 phone calls from MBNA in the space of 20 minutes - a family member answered the phone and barked at them that this was harrassment; didn't hear from them by phone for a few days. Got a letter from the Indian call centre instead, telling me not to send correspondence to that address - as if!:rolleyes:

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MAke sure you keep good records (date, time, who called) and record them if possible. You need to build up good evidence but it sounds like you could have a good case for harassment.

 

 

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Hello Steve,

 

This will be a very interesting thread:D I feel very lucky the last SAR I requested, had a log of all the haressment calls listed for my convenience. It even had the transcript relating to the fact they had been checking up on any spending that I had done. Mbna Rang payplan, my debt management plan co-ordinater to tell them that I was spending money on cards:shock:. I hadn't as I don't have any:D This was a down right lie. They had been watching my daughter's spending and have all her details. name address etc. on their files:rolleyes:

 

Not the indian call centre though:-x might try and get those:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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It seems MBNA get hold of details of other people you may know on a regular basis. Surely that is very very illegal. Just because you are related to someone, doesn't give any company the right to snoop into their lives or contact them regarding your account.

 

Steven, what do you think? MBNA seem to spend their time doing (allegedly) illegal things. Surely they should be hauled in front of a judge and their credit license revoked with immediate effect. I'm sure they are a little too big for that to happen but their behaviour should not be allowed to continue. Mind you Chester TS seem to be in their pockets too.

I wonder if MBNA are the new Enron :roll:

 

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Hello Steven!

 

They've stopped Calling me, probably because they've now Sold everything off to DCA land (who will be asking for Refunds soon I suspect)!

 

However, I do have a long, long Log of their Calls, many Recorded Messages, and one interesting set of Calls when they used the Calling Line Identity of our Mortgage Company.

 

I moaned at the Mortgage Company asking what the heck were they calling about, they said it wasn't them. So, they called the number and found themselves speaking to MBNA on what was one of their own numbers! MBNA fessed up that the purpose of the call was actually about my MBNA Card!

 

Mortgage Company confirmed this via email, so I have proof.

 

Long story, but the Call Centre was one run by MBNA who also handled Cards for our Mortgage Lender. So, they could elect to use a variety of numbers when calling out. I am sure MBNA checked who we had our Mortgage with, and thought it would be very clever to use a number that was otherwise not linked to MBNA but to the Mortgage Company instead.

 

Perhaps they thought I would see a Mortgage related number, poop myself and knee-jerk into answering. Thus give an MBNA Phone Monkey a crack at some abuse otherwise denied them because I'm not usually easy to catch out on the phone, at least not by cretins.

 

If any of this is of any use, let me know.

 

Cheers,

BRW

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If find these actions by MBNA absolutly ridicoulous...if not unsurprising and most probably illegal. :mad: Ive had many dealings and telephone harrasment from MBNA in the past. I wish id found these forums sooner!!! Im in the process of trawling this site to see if i can have my extortionate charges refunded..any point me in the right direction? Good luck and i hope your outcome is favourable. Best wishes:)

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Hi back! Unfortunately not. :mad: As i hadnt discovered this site until recently i thought that this was the norm regarding such companies...-ridiculous i know.!!! :mad:Again, my lack of knowledge of procedures meant that my account was passed to the debt company as it became impossible to repay. I ended up setting up a repayment schedule via Payplan and have been repaying using this method for some time now. I certainly would like to reclaim any charges however. Can i write to them asking for statements etc? I went to the Martin Lewis money expert site and would like to follow this example

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Well MBNA have gone quiet on me....damn....I was hoping to record a nasty conversation!

 

Seems they may be unsure of what to do since they have defaulted on the 12 day limit to produce an enforceable CCA.

 

They are now trying a new tactic to get me to contact them - email! Has anyone received an email from someone at MBNA asking you to contact them? Here is the one I got....

 

From: [email protected]

Subject: FW: "Private and Confidential for addressee only"

 

Mr FBR

Can you please call Nikki Hallworth on 01244 673 093. I am in the office between the following hours, 8am to 9pm Monday to Thursday, 8am to 5pm Fridays and 8am to 12pm Saturdays.

 

 

To which I replied stating that they are in CCA default and the alleged debt is now in legal dispute.

I wonder if MBNA are the new Enron :roll:

 

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Yes, I automatically SPAMMED them after the first one, I think they sent 2 others before they got the message.

 

If you reply to them via email, they will believe they have unrestricted access to you. although it might stop them phoning you.

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Hey Steven

 

I was thinking while reading various threads in which many CAGers mention being called via neighbours, friends, parents, workplaces (their own and those of parents etc).

 

Aside from the harassment issue, there must be something in the Telecomms acts about collating and using arbitrary phone numbers. Just because you call a company on a number doesn't give them the right to retain it and use it in future. They should use only the numbers given to them explicitly for contact purposes by their customers.

 

What do you think?

I wonder if MBNA are the new Enron :roll:

 

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Could be - seems like a little research project. Here are links to some of the relevant Acts:

 

Telecommunications Act 1984

 

Telecommunications (Fraud) Act 1997

 

Electronic Communications Act 2000

Communications Act 2003

 

Privacy and electronic communications (EC Directive) Regulations 2003

 

Are you volunteering FBR?

 

 

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Steven, the post below made me think of other action we could bring against MBNA.

 

http://www.consumeractiongroup.co.uk/forum/mbna/160210-extortionate-interest-rate-after.html#post1862956

 

How about another thread like this one to collate a list of specific charges against MBNA and bring it to the FSA's attention. All MBNA "customers" should also complain to the FSA at the same time.

 

I'm thinking that coordinated complaints against all of the bad business practices we fall victim to would be better than only hitting them with CCAs. Chester TS seem to have turned lapdog to MBNA so we need to go to the higher and hopefully more affective bodies.

 

Any thoughts?

I wonder if MBNA are the new Enron :roll:

 

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