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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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Nationwide Data Protection Team


martinwhite
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  • 2 weeks later...
  • Replies 70
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Whats happening with those of you who havent had your statements are you going straight to LBA with a guessed amount? (how can this work with the 8% interest as you wouldnt have a breakdown of charges) Im at the same stage over 40 days. can we stick together on this one. skeggsy x

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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thanks for reply judge - i thought that too but after reading what Bank Fodder had to say about claiming pre 6 years we decided to go for it as we have nothing to loose so lets see :)

can i ask how you have managed to put in a claim for post 6 years if you dont have the statements? or did you?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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skeggs - daughter just got account number for pre six year account from nationwide with just a phone call - unfortunately she has been in hospital so has not started the statement process but will do very soon, will keep posting on here as and when - good luck with yours.

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quite excited by this potentially a break through, ok will have to wait and see the proof is in the pudding but rang data protection dept at nationwide today and complained that Im past the 40 day period, said i had already reported this to Financial Ombudsman and didnt really want to have to take it to next stage so they had ten days to get my information to me. The guy I spoke to was remarkably helpfull and told me what year I opened my accounts all 93 and 91... He then told me he would be able to send me the statements from 14 years back!!!! great ... he also told me I wouldnt be able to claim post 6 years anyway!!! er ok lets have the statements then and we will see. will keep you posted. skeggsy:p

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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If they dont send them in time could you just not say right im claiming £xxx amount its up to them then to prove its less and as they took over the said time (40 Days) there in the wrong ?? just a thought

check out my last post re this got told today could send me statements from 91 and 93!

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Getting Angry now, still waiting for stuff from SAR from Nationwide credit card since Feburary 21st, Sent a LBA on 5th May, and they replied on saturday telling me I hadnt paid my £10 fee, this was cashed by them on March 8th, Have tried to ring them all day today and cant get through, its constantly engaged.

 

Not heard anything back re claim for my flex account, letter sent 5th May.

Nationwide Bank Account subject access request

21st Feb 07, statements received 13th April 2007

 

Nationwide Credit Card SAR sent 21st Feb 07 .. Still not received :-x

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Hi Im just about to do my request for my statements from Nationwide but I am not sure which is the right address to send the request to. There is a general address and then someone else has posted a direct address for the Data protection team. Also is it the same address for Nationwide Credit Cards. Can anyone help ??? Thanks

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My first two claims I sent everything to the Head Office address in Swindon, have noticed that Data Protection stuff for 6 year period comes from different address data protection flex statements. UC Hawksworth nW5001 Swindon sn38 1nw (excuse lower case had to unplug lap top to get address) I have sent my most recent request (for about the 5th or 6th time) to this department direct recorded delivery of course but Im just getting no where mine is around 50 to 60 days now forget the 40 days. I have as mentioned reported to financial ombudsman and also information commissioner by e mail but not had a response from information commissioner so going to ring him tomorrow. Know they are being devious and today they have decided to pull the plug on my overdraft on that account. very disapointed with them.

skeggsy x

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Dont hang off for fear of loosing your overdraft. you can set up another account with Halifax who will match your overdraft and give you the facility straight away, you can do it online or on phone.Nationwide will pay you out then you can close the account if you want to... set up the account then if they do ask for the overdraft back and they wont unless you go over it or bouce something or if you are not puting enough money into the account then you can pay it off and switch to the Halifax account or whatever one you choose. Im hanging back on wasted costs claim because I still not know exactly where I stand on it dont be afraid you will win get it in.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Hi all

 

Hope this helps, I've had a massive chase around this afternoon trying to get to bottom of my SAR, but if other people can benefit from the knowledge I've gained, cool.

 

I sent my SAR on 24th April, recorded del - was received 25th - to the DP team. Heard nothing, so rang today (gave myself a cut off past 25 days & would call if not received info). I rang the Account Services team (details at top of post), who passed me onto Complaints, then in turn gave me number of (01604) 854828 & Name of KATH BARFORD.

 

Rang that number, spoke to SUE TAYLOR who told me that due to weight of demand for SAR, they have set up a new team (FLEXACCOUNT STATEMENT REQUESTS) with tel no (01793) 583061 & 583062, but both numbers will be very busy. So, I rang second, got straight through to SADIE, who (like everyone else I dealt with this afternoon) was very pleasant, friendly, professional & helpful. Basically, she explained that have been deluged with requests and constantly keep revising processes, teams, departments & staff to cope. As requests are not logged anymore on the database, they are wading through the in tray & dealing with them in that order, but because of my delays she will request details of my charges instantly, computer process them overnight & as it's after 3pm they should be ready by 1300/1400 tomorrow. She said it will be an abstract of both account's charges, one single A4 page each (no need for statements unless for cross-checking at this stage), and will telephone me when they are about to be sent. I asked if she could give me the 'bottom line' verbally from these abstracts and she agreed. RESULT !

 

So my strategy is this, see what the figures come out to be, then request refund as normal. In meantime re-request statements to cross-check against, and while I await their response to my refund request also determine if the abstract amount matches the statements.

 

So, to be honest, I'm quite surprised. Bit deflated they not been in touch already, but I expected would take a while due to weight of numbers. However, it's nice that for now at least, they seem to be sugar coating their interaction with customers, I expected a more terse and adversorial approach.

 

Hope this info helps others waiting to find out what their charges are, at least as considered by the bank or BS.

 

Good luck !

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  • 2 months later...
Hi - this is my first posting on this site, so be gentle with me :grin:.

 

Do I need to write to NW Data Protection Team in the first instance (with S.A.R - (Subject Access Request)), or do I write to my branch? Sorry if this is in the wrong posting!

Hi, I wrote to the branch and got a reply:cool:

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  • 1 year later...
  • 10 months later...

Nationwide have real problems understand two words 'customer' and 'care'

 

My bonds matured so I loooked around for e decent investment. Saw it at Santander. But almost two weels after maturity Nationwide still haven't paid me my principle and interest. They have this 'leagalised [problem]' that holds on to customers' money until really pressed.

 

Wow, imagine the inteerst they are making on our money.

 

Nice work if you can get it - and it seems Nationwide can!

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Forgot to add - I'm severely disabled. I need the money - do Nationwide care? Big isn't always beautiful and in the case of Nationwide its positively ugly. Nationwide rides roughshot over customer cpmplaints. Whatever you do, avoid them like the plague

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  • 2 weeks later...

Just had a SAR response from Vikki Williams

Customer Service Administrator

Nationwide BS

Account Maintenance

Flex Account SARs

Kings Park Rd

Moulton Park

Northampton NN3 6NW

Tel 0845 6028779 (Fax 01604 852620)

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  • 2 years later...

Update as of 30th December 2011.

 

The details posted above are still current aside from these changes.

 

1.The department is now known as Subject Access Team.

 

2.We have a contact name-Becky Goodger

 

3.The contact numbers have changed to;

01604 856291 main line

01604 852620 Fax remains the same

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 7 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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