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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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edinburghbeerbucket -v- Bank of Scotland


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brief synopsis up to now:

08/08/2006 - Subject Access Request (S.A.R.) sent

01/09/2006 - S.A.R. signed for

08/09/2006 - S.A.R. cheque cashed

 

Then sent this on 30/09/2006 to [email protected] :

 

Dear BoS Customer Relations,

 

Roll number XXXXXXXXX

 

I refer to my letter dated 23rd August, which was signed for on 1st

September and the enclosed cheque cashed 8th September.

 

Please could you confirm the current status of my request, as 30 of

the 40 permitted days have passed since you recieved the request.

 

Best wishes,

 

edinburghbeerbucket.

 

edinburghbeerbucket :D

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Got a blank email reply on 02/10/2006. But, interestingly, here's the header:

 

From: [email protected]

To: $DSAR@no.halifax.co.uk

cc: edinburghbeerbucket

 

Perhaps the $DSAR@no.halifax.co.uk address is just for SARs?! Might be a fast-track to getting your statements, folks!

edinburghbeerbucket :D

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Ring MBNA to save time. Contact is Paul Miney on 01244 - 672628. Ring him and ask for your late payment fees plus the compound interest on that sum. He will offer you a "goodwill payment" first...decline. Ask for the total plus compound interest. He will work out what that is and ring you back with a figure eg my claim was £550 compound interest £590....therefore total claim was £1160. Paid up in 48 hours!

 

BOS less helpful...fob you off with letters saying will reply in 4 weeks, then need more time 4 more weeks. Stick to your deadlines. Good luck!

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Been away for a couple of days for a wedding (beautiful!), but just picked up this email dated 7th October from [email protected]:

 

Mr edinburghbeerbucket,

 

Your request has been received and will be processed within the 40 days

allowed by the Data Protection Act.

 

Regards

Nicola Inett

Consultant (DSA)

Policy and Development - Technical Support Business Risk - Retail

 

I hope she's right... they've only got 48 hours left!

edinburghbeerbucket :D

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Well, day 40 came and went...

 

Dear Nicola Inett,

 

I am disappointed not to have recieved the information I requested

within the 40 day period permitted by law. This is in spite of the

fact you re-assured me only 4 days ago that the information would

arrive on time.

 

If the information has not arrived within 2 working days, or a

satisfactory explaination is not given within the same timeframe, I

will have no option but to raise a complaint with the Information

Comissioner, and to lodge a small claims action to force you to comply

with my Data Protection Act Subject Access Request.

 

I look forward to hearing from you before close of business on Friday

13th October.

 

Best wishes,

 

edinburghbeerbucket.

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OK guys, I've had no response from Nicola, so I think it's time to start thinking about small claim action for Data Protection Act non-compliance.

 

I filled out the paperwork, but had a couple of queries so sent the sheriff court a quick email (although perhaps you guys might know):

Dear Sheriff Court,

 

I am currently filling out a small claim summons against my bank as

they will not supply data which I am entitled to under the Data

Protection Act. The Claim (form of decree or other order sought) box

reads:

The Pursuer seeks an order against the Defender requiring them to

fulfill their obligations under the Data Protection Act 1998, together

with the expenses of bringing the action.

 

What should I put in the "action for/of" box? I assume because the

action includes a payment of money, it should be "payment", but please

clarify this.

 

Also, I plan to file this case by post as I am currently abroad. Can

you tell me how I should go about doing this?

 

Best wishes,

 

edinburghbeerbucket.

Will post the response when I get it. I think I emailed the court before and they responded quite quickly.
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edinburghbeerbucket :D

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Complaint sent to information commissioner today for non-compliance. Don't really want to go through the hassle of small claims court for this part, so fired off an email giving them a last chance:

 

Dear Bank of Scotland,

 

Further to my email of 11th October and the lack of response on your part, I have today filed a complaint with the Information Comissioner.

 

This action will be followed by a small claim court action if you continue to ignore my request.

 

edinburghbeerbucket.

edinburghbeerbucket :D

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OK, so I had a bit of a weird day!

 

Got an email from Ken Patton saying that the statements they sent out have come back to them undelivered. This is because I have a re-direction setup.

 

So I agreed with him that they could send them again non-certified so that they'd get to me.

 

Just as I'd fired off that email, I went to check the mail. Where I found statements from May 2004 til now.

 

So, I wrote back to Ken to tell him I'm still missing statements from Oct 2001 - May 2004.

 

I shall await his reply!

edinburghbeerbucket :D

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Go this email from Ken today:

You are correct in your assumptions, there are two ways we order statements, one involves them being sent to my department for checking and are issued by special delivery, others are requested to be printed and despatch as if it were normal statement. However, this can result in a large number of envelopes being generated so it is not the preferred method. The statements that I have run from late 2000 to May 2004.

 

I'm interested to know why the statements need to be "checked". Surely it's just a case of printing them and putting them in an envelope. Anyone know why?

edinburghbeerbucket :D

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Will be posting this off to The Mound tomorrow morning:

REQUEST FOR REPAYMENT OF CHARGES

 

Dear Sir/Madam,

 

ROLL NUMBER XXXXXXXXXX

 

I am writing to ask you to refund to me the charges you have levied against my account over the last 5 years.

 

It is my opinion that the fees you have applied in respect of unauthorised overdraft fees, account maintenance charges, refused direct debits, etc are a penalty charge designed to gain profit for the bank, rather than a true reflection of the liquidated costs of the bank for my breach of contract. As such, these charges are a contravention of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

I enclose a schedule of the charges I am claiming with this letter. I calculate that you owe me £1576.50. This amount, © in my schedule, is calculated by taking the charges applied (A) and subtracting the refunds of charges you have already applied (B).

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 21 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

Should you choose not to respond to this letter, or if you fail to comply with my request, I will proceed with a small claim action to force your compliance. This will carry with it additional costs (in respect of court costs) and interest at the rate of 8% per annum from the date of service. I’m sure you will agree this is an unnecessary complication for both of us. I am aware of several precedents which support my claim, and it is in both our interests for you to settle this matter now before we enter the domain of the court system.

 

I look forward to hearing from you before 16 th November.

 

Yours faithfully,

edinburghbeerbucket

edinburghbeerbucket :D

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  • 2 months later...

I've been away for a while so here's a wee catchup:

 

7th Nov 06 - Letter from Joanne Carmichael - "we're dealing with your complaint. You will recieve a reply no later than 4 weeks from now."

 

1st Dec 06 - "Sorry we haven't dealt with your complaint. You will recieve a response no later than 4th January"

 

21st Dec 06 - Offer of £920 in full and final settlement.

 

I was away for a while and didn't get round to responding to this last one til last week. I called up to ask them to increase the offer. They offered £1150 (or thereabouts). I said to the guy "I have the court forms all filled out in the bank's name, this is the final chance I will give you before I have to add on court costs, etc. How about the full amount?"

 

"That's your desicion, sir."

 

So I posted off the first small claims summons yesterday. :-)

edinburghbeerbucket :D

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  • 1 month later...
  • 1 month later...

OK, so a lot happened in a short space of time...

 

4th April (1 day after return date) - no defense was filed, so my 'lay representative' went down to the court and filed for the decree to be granted as craved.

 

7th April - Letter from Nick Rogers at BoS saying "without admission of liability ... BoS is willing to reimburse you ... £959.70 which will be credited .. within 5 working days."

 

The £959.70 is the original claim plus interest plus court costs. So that's a victory!

 

Now onto the second half of the claim...

 

The original plan was to use another small claim action, and limit the claim to £750 and leave it at that. But in light of what's happened lately, I've instead sent a complaint to the FOS.

 

Even if the FOS decide (for some bizarre reason) not to refund my money, I will go on and sue the bank in a different court. I don't know if this will make any difference, but it's worth a try!

edinburghbeerbucket :D

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