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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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Me v RBOS


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Hi folks, have read several of the posts on here with great interest, and has pushed me to do something regarding the charges i have from the RBOS,

i have already sent of a copy of the first letter to the bank on my business account they have charges me around £2690 odd pounds and on my personel account they have charged me around 770 pounds, exact sums i cannot remember right now, also they have closed my personel account and kept the money that was in it, which was not a lot anyway.

i have recieved a reply back from them, most of the letters i have sent them regarding these accounts have been ignored until i came across this site.

The letter firstly apologises for any dissatisfaction or upset caused.

then goes on to suggest that i get back in touch with joyce kerr, asking me to get back in touch with her and saying they will liase with her to ensure the charges applied in the past are re investigated.

turning to my personel account they are afraid they cannot now see the history of the account due to its closure. They now need me to go to my branch and order copies, advising their will be a charge for this, but will be refunded with any refunds agreed, asking me to give them time to look at these charges in a favourable light.

 

Also does anyone know why it cost £125 pounds to arrange an overdraft on a business account and a £100 on a personal account, what is the difference, and can these charges be claimed back

 

any help or advice to what i do from here is much appricated,

do i ignore this letter and just continue on to sent them the letter before action to them

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You won't be able to claim back OD arrangement fees - the amount they charge for this service is the amount they can get away with, and they feel they can get more out of business customers.

 

Send a single Data Protection Act letter for all (non-business) accounts in your name, with a single fee to get all your statements from all accounts.

 

Start a thread in the RBS forum for best advice.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 3 weeks later...

have recieved a letter from the bank this morning, usual one sorry your not happy, but nothing they can add constructively to past correspondence, but wish to resolve matters with me, against the background and as a goodwill gesture without admission of error or liability they are offering the sum of £2551 in a full and final settlement of my complaint,

 

the charges i have asked back is unpaid d/d, referral charges, service charges, and interest charges for both my business account and my own account which totals 4387.16.

 

can i claim all these charges back, and what would be your advice do i accept their offer or press ahead, as i am more than happy to go to court, thanks again

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First let me say what a great site this is and all the information and support it offers to everyone, without this i would not have got very far without the advice from everyone.

I have followed their advice so far up till the lba and have recieved a reply back from the bank, between my busness and own account with unpaid d/d chq charges, service charges, referral charges and overdrawn interest charges it comes to a total of £4387.16 this also includes me adding on a 8% interest, i have recieved a reply the usual sorry your not happy, nothing they can add constructively to past correspondence, wishing to resolve matters with me and against the background and as a goodwill gesture without admission of error or liability are offering me £2551 in full and settlement of my account.

 

Anyone have any advice if i should just accept this or press on further for the full amount, as i am quite happy to go to court over it,

many thanks for any advice

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Hi, just send the following letter template,

[Address] [Date]

 

Response to settlement offer

 

 

Ref: [Their reference number]

Account No:

 

 

Dear Sir/Madam,

 

 

Thank you for your letter dated xx/xx/xxxx.

 

I respectfully decline your offer of settlement and request that you refund to me all charges that have been taken from my account now totaling £xxxx.xx

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder in the County Court if necessary.

 

I trust this clarifies my position.

 

 

 

Your’s faithfully,

 

[signature]

 

 

[Print Name]

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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a total of £4387.16 this also includes me adding on a 8% interest

 

It depends how much your claim is before interest though - you can't claim that before the Money Claim stage. If the bank are offering you the full amount, not including the interest, before you have actually lodged a court claim, I'm fairly certain you have to accept it. I know I've read that somewhere on here, but can't find it again for love nor money!

~

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

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update on my claim,

this morning when i got up, letter in from the bank, reconsidering my claim and have now offered me the full amount of £4387.16 back wahey,

can now pay off the overdraft and with whats left, have a treat and send a donation to this site

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well happy days, letter this morning from the bank, reconsidering their offer and now have offered full settlement of my claim, wahey

can now pay the overdraft off, treat myself and make a donation to the site,

thank you for all the advice without i would still be struggling

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Yeah I read another similar thread (cant remember which one). Hopefully this is a change of tact by RBOS?????

 

Well done mate :D

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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cheers folks, was a nice start to my day, just have to wait for my settlement to arrive, posted the acceptance this morning,

hope yours goes as well and you have a result soon, is a good feeling, and hope you find out soon, now to take on the rest of them lol

good luck and keep the fight going

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Fantastic news, well done!!!!!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Well done, I am very new to this website and some of the terminology is throwing me!

Can you let me know where on this website I would find a step by step guide to starting out? I have been through all my statements and it is well over £1000!

It gives me confidence reading all your notes and success stories!!

Well done!

Alison

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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once you find your way around the site it is a lot easier, your better of starting in the faq section first that will give you a better idea,then read some of the threads posted by others,

depending who you bank with their is seperate sections for this, where you can post your thread and get advice, as for the letters to send you will find them in the forums section, and your spreadsheets will be in their also, i sat down one night and just explored the site, it threw me for a while, but its not as hard as it all sounds, or click on the site map at the top of your page, you will find everything their also, or click on the consumer action, where your online name appears at the top of this page,

if you have all your statements from the last 6 years, then you want have to send a data protection letter in, you can then move on to the next letter and spreadsheets, and they can be found in the consumer action section,

some find it harder than others, once you start its not as all bad or hard as it sounds, i might of been lucky, but go for it, always plenty on here to give you advice, if your stuck let us know if i can help i will

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