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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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has anyone has success claiming back credit card charges??


lisaab70
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Hi,

 

I have had success claiming back 190 in bank charges from my normal bank account after second letter was sent. But am now trying to get back Credit Card charges without much success at the monet.

 

Has anyone been refunded credit card charges? After sending second letter I have recieved a reply from RBoS stating that the charges refunds DO NOT apply to credit cards.

Should I go ahead and start court action??

 

Advice would be much appreciated. Thank you.

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do not listen to them lisa they are just trying to put you off go ahead with your timetable it does apply to cc. you are right and they are wrong that is all you need to keep in mind. if they didnt put up a fight everyone would claim and noone would be put off... many are... and the bank would be well out of pocket. thats why they make things difficult not because they are in the right. good luck

  • Confused 1

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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hi continue with your action. i have got my cash back from RBOS credit card, they did the usual fobb off letter twice. I wrote again telling them that i was starting court action and guess what? cash back!!

 

this is who i dealt with perhaps try this person. Rebbecca Head Senior Customer Advisor credit card operations, Customer Service contact Centre PO Box 6050 Southend on sea Essex SS99 1Wl..

 

 

good luck

 

if i have helped please click the scales in the top right orner.

  • Confused 1
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Thanks so much missm, smoorach & lively lad. I am just in the middle of starting the court action online now. We'll teach 'em to mess us about hehe.

 

Thanks for your replies and advise, its much appreciated.

Have a nice day ;)

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  • 2 months later...

Hi guys,

 

I am currently starting to claim my charges back from my B of S credit card.

However, MBNA have now taken over their credit cards.

 

I rec'd reply from MBNA with ALL charges for this year since they took over!

So, does anyone know if i have to now write to B of S?

Or, should MBNA have all my details, statements on their data base now?

 

If i have to now write to B of S, does anyone have an address and contact?

 

Any help or assistance would be appreciated.

 

Thanks

martin

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sorry cant help mc.

 

I am looking for some answers about credit cards also if anyone knows anything

 

I`d be glad to here from them.

 

1. Can I send for 5 year back statements as with the banks?and is it £10?

 

2.monument and barclays are one in the same people do I have to file 2 seperate

claims as it is 2 different acc numbers?

 

Not many people seem to have many clear answers that I can find anyway.

posted on the subject a few times but people just seem to shy away from the subject.Any help welcomed.TIA MIKEB

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Mcow - MBNA should have all your details if they've completely taken over. If I were you I'd write asking for the rest of your statements stating your original 40 day deadline, if they don't hold them I'm sure they'll point you in the direction of BOS. Either way they should tell you who has them, and one or the other has to have them by law!

 

Mike,

1. Yes, 5 years for Scotland, 6 for England/Wales. Yes its still £10. You can send an SAR to any company that holds financial data about you. £10 is the maximum they can charge for your information, not all companies charge though. And remember its £10 for all accounts with one company, not £10 per account.

 

2. Not definitely sure about this but I think you will probably have to do them separately as on the court form you have to put the Defendant's name as the one that appears on your statement. However, the court may decide to join them together anyway. It might be better to keep them separate just to make sure its all clear and easy to keep track of.

~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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Thank you lucy

 

I do have last six years bank statements that I recieved from my

bank whom I successfuly sued,but am I right in thinkinking I won`t

 

be able to work out from them what the credit card companies have

took and for what?

 

I assume that the SAR to the CC companies will detail exactly what

they have taken for late payments etc?.

 

Thanks again lucy,and thank you also lero for your post.I am really

more interested than clearing up my wifes credit file than anything

else,but a cpl of K into the bargin would`nt go amiss.

 

Mike b

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Yep, you're best off getting the statements direct from the credit card company(ies). It will still be useful to have your bank statements to back up your findings though - then you know you have more evidence to back up your claim.

 

If you're interested in sorting out your wife's credit file, have you checked out the 'Legalities' forum which has a lot of interesting stuff about defaults and the like? Also, the 'Debt and Bailiffs' forum.

~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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You're welcome. Although, the only way I know what I know is from having read and read non-stop. There is a lot of info in the FAQs and it's important that everyone reads them before jumping in head first! I think its just that the mods get asked the same questions a lot by new members who haven't done their research. I know I was like when I first started - you can tell from my thread ( http://www.consumeractiongroup.co.uk/forum/showthread.php?p=238041#post238041) how my confidence grew from the initial stages. :)

~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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mikeb1 do you have a thread of your own hun as this is sort of hijacking lisaab70s thread if so you can put a link on here so we can answer questions on your thread rather than hers. bear with the mods they may seem angry however as lucy said they do get asked the same question loads of times a day as its a busy site that why we all help each other out. as you get further down the line you will be able to answer questions of people just starting out and this helps take the pressure off the mods. good luck hun

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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