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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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      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.

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Smithsu01 vs RBoS (in Scotland)


smithsu01
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I started this process before I knew this website existed and so just wrote a polite but firm letter to my bank requesting that they review what I felt to be excessive charges on my account over a 3 month period (£1200). When they ignored that I sent them a reminder 14 days later (both recorded) which they have now also ignored! Had I not been nearly so frustrated by them I may not have found this website but they ignored me at their peril and now instead of 3 months charges they'll be looking at a whole lot more.

SAR is on my desk ready to go in the post tonight and thanks to all you guys and the great information on this site, I can't wait!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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good luck. i'll keep an eye on your thread if you need to know anything or need any help just shout.

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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Thanks! It's quite a daunting prospect so it's great to know there's so many kind people who can help if I get stuck or panic!!

 

Suzanne

:D

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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just keep reading threads the more you read the more understanding you have and it becomes less daunting. if you follow in the right order and stick to you timetable you'll soon be laughing all the way to the bank.....

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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  • 1 month later...

Well my bank statements arrived on friday and I'm sitting working my way through them just now - hard to tell how much it'll total to but around the £2000 mark already! Hope to have this ready to post tomorrow!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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hey,

 

good luck!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Well the total now is £3176 excluding interest although it may be higher as although I pay a monthly charge for my Royalties Account I also get hit with £28 a month for going over my arranged overdraft limit - can I include this? I'd appreciate if someone can let me know asap as I have the letter ready to go and would like to get it posted before the weekend.

Thanks :)

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 2 weeks later...

My prelim letter went off on 27th November claiming charges totalling £3868. Short of miracle I'm too late to get the money in time for xmas but maybe a good start to the new year!! As my husband has just been laid off yet again we could really do with it so fingers crossed. I'd like to think it won't get as far as the courts as I'll need to file 6 different small claims but am well prepared to if that's what needs done!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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6 days and counting........ til deadline for Prelim letter!! :|

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Well my deadline for the Prelim letter was yesterday and I've had no word so LBA will be going in the post tomorrow. Watching Bank Robbery on BBC2 on tuesday night helped inspire me a lot - I hope everyone watched it!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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I'll be the same when my LBA deadline is up! I'm bad enough just now. I can't believe I didn't even get the standard 'no' letter - I keep telling myself maybe it's all running a bit slow due to xmas etc but I'm sticking to my deadlines all the same! Hope you hear something before the weekend! Fingers are crossed for you!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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My understanding is that you can use the Summary Clause up to £1500 whereas to go through Small Claims you'd need to split it as £750 is the most you can claim. The fees involved are the same (I think £39) but I believe the only down side to summary clause is that you could be liable for the Bank's court fees IF you lose but then reading through this site, reading articles and watching that episode of the Money Programme highlighted just how unlikely this is. From what I've read on here I think more people are gaining confidence and going with Summary Clause rather than the lengthy process of doing a few Small Claims.

Sorry I don't have many details but I'm not quite at that stage just yet.

Good luck!! :)

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Hi Erinamanda and sorry to hijack your thread Smithsu01, im also in Scotland and just reading through some Scottish posts to refresh myself. I'm currently going through the summary cause process with LTSB (see my signature for my thread). The fees are the same £39 and the whole process is the almost identical, its just a diferent track of small claims. One thing I would point out is when you recieve the summons back in the post from the sheriff court YOU must get a sheriff officer to serve the summons on the bank (form 1B), the court doesn't do this for you.

 

Good luck with both of your claims and have a look over my thread to see what my lie ahead should you need to go to court, hope it gives you some encouragement.

 

Merry christmas btw

o0oLiamBeeo0o

Prelim Req sent 12 June 2006,

LBA sent 26 June 2006,

Confirmation of court action sent 24 July 2006,

Court return date 20 October 2006 - LTSB did not reply,

Court hearing date 27 October 2006 - Decree granted in my favour,

Recall of decree recieved 16 November 2006,

1 December 2006 assigned as recall of decree,

26 January 2007 assigned for full proof hearing,

16 January 2007 1st offer recieved and declined,

23 January 2007 2nd offer accepted, awaiting monies to hit bank account

 

All advice & opinions of o0oLiamBeeo0o are personal opinions, if in doubt seek advice from a qualified professional !!

 

vvv My Thread vvv

 

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No problem, hijack away! Thanks, I'll check out your thread!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Hi

 

Cheers for the info, but I'm now wishing I took RBOS's offer. I'm emigrating to Australia end of Jan and with the timescales for Summay cause claims, it's a nitemare. Spoke with Tommy McLean again to day and felt he was trying to fob me off. He previously told me on 20th December that I would be likelly to recieve a letter offering full amount the following day, now he's saying the the way in whish the bank are dealing with claims is changing from day to day. He suggested I either wait until they respond or take the legal route. To top all this off, I've been charged £152 over xmas :-(

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Mmmm, fraid I don't know the answer to that one but hopefully someone will!

The deadline for my LBA is up in a few days and as yet I've heard nothing at all from RBS! No 'get lost' letter in response to my prelim letter and now no offer at all to my LBA. Wondering if I should e-mail to make sure it's being dealt with as everyone else seems to at least get the standard responses and seems strange to have had nothing at all by this stage!

The letters were sent recorded delivery and have been signed for so I know they've got them!

Any thoughts anyone??

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 3 weeks later...

So the deadline for the LBA came and went with still no word from RBS so I e-mailed Tommy McLean just saying that I was disappointed to have not even received a confirmation of my letter and while I appreciate they must be busy etc etc (well someone said he responds better if you're nice to him!). I got a reply straight back with the usual apology and he couldn't tell me when they'd be able to deal with it but they would as soon as they could.

 

At this point I couldn't afford to file at court and would've had to wait a couple of weeks so e-mailed back to say 'as a goodwill gesture I'd extend the deadline by 10 days but rest assured I will file at court after this time' - no harm making him think I'm being nice as oppsed to just skint!!!

 

Anyway, the next day I received acknowlegments of both my Prelim and LBA so suspect he'd stepped things up a bit - strange coincidence if not!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Just as their 10 day extended deadline was up.....I'd been to court to collect forms......arrived home........and there it was an offer for the full amount!!!!

 

The letter was just a standard, ' we feel these are not penalties but charges for services but as a sign of goodwill......'!!

 

Delighted!!!!

 

Thank you so much to everyone on this site!! Wouldn't have had the first idea where to start without you. All this because a RBS employee suggested I look into it!!

 

Donation on way when money arrives!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Thanks Tweenies, stick with it and read this site over and over and you'll be celebrating too soon enough! Good luck!

:):D

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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  • 2 months later...

Well done you!

 

Wow, this thread has reinvigorated my interest in getting my own situation sorted out.

 

Cheers for that!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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