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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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To Reserve or not to Reserve, that is the question...


Bookworm
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So, after a bit of a discussion here about what do you get charged if you are opted-out, I phoned Barclays and a chap told me all. ;-)

 

To recap:

 

OPT-IN:

 

This is the default mode that was introduced back in the summer of 2008. Unless you told them otherwise, you were automatically opted-in. (If it comes as a surprise to anyone reading this, I suggest you check your account very quickly!)

 

The Reserve account works in 3 tiers:

 

You have your normal bank account limit/overdraft limit. Call it A.

Then you have your Reserve, which amount was set then. Let's say it's £100. Call it B.

Then you have the going over the Reserve space, call it C.

 

A charges: £0 + interest.

If you go into B, you get charged £22 for a 5 day usage period. If you are not back within A after the 5 days, you get charged another £22, and so on...

If you go into C, you get charged the B fee, PLUS £8 per transaction bounced or authorised, up to a maximum of 5 transactions a day.

 

OPT-OUT:

 

You read your paperwork, you want nothing to do with it, and you told them so, so you're now opted out.

Your 2 tier system works like this:

A: £0 + interest.

B is your unauthorised overdraft of before. The difference is you used to have an (unknown to you) threshold. Barclays would pay transactions up to that unknown level and bouce things after that. Now they will bounce everything and charge you £8 for it, unless they have to pay it (guaranteed cheque transactions, and of course their own charges!) for which they will also charge £8.

 

Are you confused yet? :-| Yes, this is Barclays version of transparency and clarity. :lol:

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They're trying to recover some of the money they couldn't get from me as a result of their non enforceable credit agreement :D

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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That makes it as clear as mud .............

 

Ok I have an account with Barclays whish has an O/D limit on it when we get our statements the reserve shows as 0 ...... does this mean that we have opted out or that we havent but they havent given us a reserve .....

 

Fortunately or unfortunately we havent gone over out overdraft since this was brought in to test the reserve amount :rolleyes:

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That means you have a reserve of £0. Yes, I know.

 

Unless I am very much mistaken, that would mean that should you go over, you would get charged the £22 fee (B) + the £8 for going into C.

 

I suggest you opt out ASAP!!! :shock:

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I have a reserve of £200 on top of my overdraft, I went over it once for £15 and took the £30 charge £22+£8.

 

I called in to my branch with my April 2007 statement showing a 'credit' from Barclays Legal and Lit on it and the charge was refunded as a GOGW.

 

I haven't been over my reserve since, thank God, but I don't think they'll do it again. I may have to try soon though, three kids birthdays in two months and two of those 21st's :eek:

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Mr Lex, you can cancel the reserve. As Bookworm and myself have found out, if you go over any agreed limit the £22 does NOT apply. Think everyone should opt out cos it saves £22.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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But this is where I am worried. WHY are Barclays doing this? Surely it's a no-brainer that as the word spreads, more and more people will opt out thereby saving themselves the £22 charge? Or are they really relying that much on people's inertia?

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I think that the initial misinformation, that may have flooded about could have caused this. It's definitely inertia and lack of information that is the cause. Had we not debated it on the other thread, we would be none the wiser.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ok, but in that case, wouldn't you agree that they are handing us the stick to beat them with to them reclaim those charges? I mean, transparency, PIL, no hidden charges etc... not to mention holding people to terms they haven't been made fully aware of and the different options.

 

It is typical that when I phoned this morning, the guy launched into the Reserve spiel and would not tell me about the opt-out charges, even though I asked him 3 times. I had to really insist and go back to that before he would tell me. :mad:

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Ok, but in that case, wouldn't you agree that they are handing us the stick to beat them with to them reclaim those charges? I mean, transparency, PIL, no hidden charges etc... not to mention holding people to terms they haven't been made fully aware of and the different options.

 

It is typical that when I phoned this morning, the guy launched into the Reserve spiel and would not tell me about the opt-out charges, even though I asked him 3 times. I had to really insist and go back to that before he would tell me. :mad:

 

That might be 'helpful banking'......oops wrong bank isn't it ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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So, no charges if you opt out, but no invisible 'buffer' either? So how much do you get charged for going, say, five pounds over your OD because of their charges?

 

Don't get me started by the way, my charges took me NINETY pounds over my personal reserve - they took it all in one go - last Thursday, started getting calls from Barclays Saturday which I answered Monday, where they promptly took my Reserve off me.

 

Bookie - you've seen their defence to the Reserve charges - they've made no real changes as far as I can say other than the addition of a paragraph which just changes the dates (i.e. from mid August this is what we did).

 

My AQ is in in the morning, with a draft order for 14 days to produce their goods. I wonder what they'll turn up with.

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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  • 3 weeks later...

So we go after them in the normal way - mind you I'm not sure what's normal anymore given the apparent lack of clarity surrounding the "charges are lawful/unlawful for some banks in some years". Still, suppose we still proceed on level of charges and go down the "show and tell" route?

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  • 1 month later...

Barclays in their wisdom decided to transfer the OD on my business account and debit my current account with it due to them interpreting the account being dormant. I had a standing order in the business account and sent a new mandate for a lower amount. I was told (letter) that some accounts standing orders are not available so I left it at that. The account was in arrears by about 500 pounds at this point. To my surprise The buggers had been debiting my account with £35 each month for 6 months and adding interest, About £900 was debited to my current account, So a couple of times recently I have gone into my £150 reserve fee at £22 a time, can I claim for unfair charges even though the majority of the debt came from a business account

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  • 3 weeks later...

I Had Overdraft Of 500 They Changed Account To Reserve I Never Received Letter Or Anything I Was 492 Over Charges Took Me To 501 The The Started Charging £22 Etc I Asked For It Back Said I Never Asked For Reserve Asked For Authority They Said There Wasnt One . I Said They Have No Authority To Change It And Told Them To Revert Back To Non Reserve . They Said I Had To Make Appt To Do That I Said If They Pay Me My Time Off Etc So Now Debt 1030 All Made Of These 22 Pound Charges They Have Had 3 Lots Of Debt Collectors After Me And I Now Found They Defaulted Me In Feb 2009 . The Debt And Their Charges Have Always Been In Default Surely They Are Breaking Banking Code As Sum "n Dispute " And Also Data Protection By Putting Default When In Dispute And Passing To Third Parties . How Can They Do All This And Get Away With It . Ive Had Letters And E Mails Never Answered They Ignore My Requests And Default Me

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Hi there- got a shock the other day as I phoned up to check a few things and found out I was not £2100 OD (on a £1700 OD). Can I opt out to stop these £22 charges accruing, then pay the difference off a bit at a time, or do I need to pay off the reserve then opt out? The polite lady at the call centre was somewhere just below useless when it came to info.

Natwest Credit Card- £850- WON!!!

Natwest Current Account- £380 (in 1 month!)- On Hold

Mint- £250- WON!!!

Egg- Still waiting on list of charges

CAP1- Still waiting on list of charges

HSBC current account- On hold

IF- waiting...

Barclaycard- £124 WON!!!

 

And now, using what I've learnt from you wonderful people, to CCA the lot of them! (well credit cards at least)

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  • 1 month later...

Hi Peeps,

 

This Sticky is for general discussion about the Reserve Fees.

 

To discuss detail of individual cases, start your own threads in the Barclays forum.

 

Keasby - Opting out of the Reserve System should be done in writing if you decide the old charging system may be cheaper for your circumstances. You should be able to reclaim these old style charges as done before.

 

However, because Barclays don't want you to do this, they may withdraw any O/D facilities, meaning you'll get charged less, but more often.

 

KennyH - Reclaiming Reserve Fees is pretty much untested so far. In theory, they should be reclaimable now, regardless of the general Stay on claims, because they were introduced before the OFT case is over. Keep an eye on Bookies thread as her case is with the FOS now.

 

Another pointer is that Barclays have refunded Reserve Fees under the Hardship Rules, which they wouldn't do if they thought the fees would stand up to close scrutiny.

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  • 6 months later...

well just found this by accident and i could be here all day on the subject of barclays. I didnt know anything about this reserve thing and had asked for it to be removed at least five times now and have been to it can not be removed. I found out about the whole thing when my joint account Which i use to pay my dads bills) went overdrawn by £20 for wait for half an hour!! this was because our local branch decided to change its opening hours without letting us know so when i went to pay in cash they were closed. By the time i got home and done an on line transfer i was over their cut off period so they classed the credit as the next day. Got the letter to tell me i owed £22 and i was irate rang them and they said tough i do not qualify for a refund its my own fault. It would have only cost me £8 to bounce the payment and as its coming to the end of its life anyway it wouldnt have bothered me if they had, i even said despite the fact it was their fault i was happy to pay the £8 but not the £22 fell on deaf ears.

 

It gets better though. I later had a sales guy in at work trying to get me to change to their business banking (as if) and he said if i moved my business account over i could have a designated account handler and that they would get the charges written off which just goes to show they can if they want to.

 

Needless to say i didnt take the business account and ended up paying the £22 charge but the reserves are still there even though i have asked for them to be removed.

 

The miracle of banks!!

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  • 3 weeks later...
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