Jump to content


  • Tweets

  • Posts

    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Studio - claiming back charges, help please *** WON ***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5304 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

i've had an account with Studio cards for about 8 years. It was opened when i was at university. My mum took it over but as it was addressed to me she was often late with payments adn so has icurred at least £400 worth of late payment charges. I don't beleive there is a valid credit agreement either but the outstanding balance is about £360 so a charges refund would clear the balance. I want to write to Studio asking for these charges to be refunded - is there a template letter for this purpose. I have already recieved a statement of charges from them.

 

Unfortunately as the account was opened in my name all of these late payments have been registered on my credit file. I have also noticed that they have marked 'arrangement' on my file - what does this mean?

 

Any help would be much appreciated.

 

Thanks

Link to post
Share on other sites

hiya,

 

just follow the same template letters as the back charges and just edit the letters to suit:

The Consumer Forums - Bank charges templates (consumer)

 

 

arrangement means that there is a payment arrangement in place ( not paying the full montly payment required)

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • 3 weeks later...

Just a quick update : i sent the letter requesting that charges be refunded and quickly recieved a response saying 'OK'!!!!! All £460 refunded just like that. Will be donating to this site and getting busy with lots more letters!

 

Thank youloads for your advice.

xo

Link to post
Share on other sites

DFF,

 

I am having the same problem with Studio, I was just wondering did you just send in a basic letter asking for them to refund all the default sums?

 

If so I am on it as they have been charging me for months because I am unable to pay the full amount and its getting ridiculous, pretty sure they have no signed CA from me either so if they really start they will be screwed because I just won't pay it lol

 

Lucy

Link to post
Share on other sites

Hi Lucy

 

i sent the letter as suggested by Idainfife - link near the top of this thread and adjusted it to suit. Basically the letter said the the default sums were unlawful and that i wanted a full refund - i was surprised they agreed straight away though - thought i would have a fight on my hands.

 

Let me know how you get on.

 

Best wishes

DFF

Link to post
Share on other sites

Hi Lucy

 

i sent the letter as suggested by Idainfife - link near the top of this thread and adjusted it to suit. Basically the letter said the the default sums were unlawful and that i wanted a full refund - i was surprised they agreed straight away though - thought i would have a fight on my hands.

 

Let me know how you get on.

 

Best wishes

DFF

 

I sure will let you know, I think what the charge is outrageous, I can stomach a few quid for being late but 20 a pop is absurb and because I have been late for a few months as I have been on maternity leave and have no take home pay (not been with the company long enough to qualify) its stacked up, not really that sure how much they have charged me altogether, my ask them to give up that information..

 

Anyway congrats on your result not often they give up it up with one letter..

 

Lucy

Link to post
Share on other sites

  • 2 weeks later...

Hey

 

I just wanted to let you know I sent the letter to Studio about the charges and they looked at my account and have refunded me £120, ok credited it to my account but its still 120!!!

 

Small victory but it all helps esp with Xmas fast approaching :)

Link to post
Share on other sites

Hi hazyeyes

 

well done, congratulations! I was in the same position as yourself when i took maternity leave - just missed the occupational maternity pay by less than two weeks!!! I have to say i was a bit peeved when i realised.

 

Get writing to all of your creidt accounts - i'm now on a mission!

 

All the best

DFF

Link to post
Share on other sites

  • 2 weeks later...

I pretty much did the same just adjusted it to studio, they where pretty good was shocked that they just did it on my first attempt, although they said they was doing it as a gesture of goodwill, which is normal anyway they don't like to admit anything!

 

LOL

 

Let us know how you get on, sure you will have the same success as the both of us :)

Link to post
Share on other sites

I clicked on the link and it brings uploads of templates which 1 would suit best please:)

 

I'll get it written tonight then ;)

 

And cause I'm now dissputting my account with them they have said they've passed it on to Moorcroft should I be worried lol as Studio couldn't produce a signed agreement so Moorcroft won't be able too!

 

Studio said they don't have to produce this agreement so if they can't produce it how can they be adding charges on all the time?

 

They are begining to get on my nerves lol

Link to post
Share on other sites

I sent Studio a CCA letter with a £1 postal order. In response they sent me a form filled in with my name and address but not the address I was living when I opened an account with Studio. The £1 was credited to my account. I then sent Studio an SAR and a postal order for £10.00 and also asked for details of the PPI payments. Again the £10.00 was credited to my account. Studio sent me a print out of my account from which the total of PPI payments came to £1,108.95 and default charges of £280.00. I asked Studio to refund me the PPI payments and default charges. Studio wrote back very quickly to say they have refunded the £280 charges as a goodwill gesture but didn't mention at all the PPI payments. Has anybody else had problems with PPI refunds?

Link to post
Share on other sites

Hi

 

sorry - i haven't had any experience with studio and ppi - i'm definitely not an expert on any of this as i'm acting on the advice of the experienced members on here but i would suggest writing another letter regarding the PPI only - sometimes when you have more than 1 request/query in a letter they conveniently forget to act on all matters in hand. I would inform them that you have already written to them regarding this and therefore expect a speedy resolution.

 

Best of luck

DFF

Link to post
Share on other sites

Hi

 

sorry - i haven't had any experience with studio and ppi - i'm definitely not an expert on any of this as i'm acting on the advice of the experienced members on here but i would suggest writing another letter regarding the PPI only - sometimes when you have more than 1 request/query in a letter they conveniently forget to act on all matters in hand. I would inform them that you have already written to them regarding this and therefore expect a speedy resolution.

 

Best of luck

DFF

 

Thank you for your help. I have written to Studio regarding the PPI payments so will wait and see what rep;y I get back.

Link to post
Share on other sites

incase you need it scanjet

Payment Protection Insurance (PPI) - The Consumer Forums

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...