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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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TopCashback not paying


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Hi,

New to the forum and can't found any recent advice or issues relating to TopCashback? I am owed just over £100 for 3 different companies one of which is Argos and I have written an official complaint emailed the director threatening court and still nothing. There profits are huge and they were quite quick to tell me they are not regulated by anyone. Any advice or suggestions/experiences because I think this needs looking into.

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been there with them -- they ended up paying up but stating the companies have not paid them but in the interest of settlement they paid 50%, two days later 3 directors published a huge income for each bxxxxxx

:mad2::-x:jaw::sad:
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Hi Weby23 and Welcome to CAG

 

I have moved your thread to the appropriate forum (General Consumer Issues) please continue to post here to your thread.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I don't know the company and I don't know the scheme, but it is completely untrue for anyone to say they're not regulated by anybody.

 

Any company dealing with consumers is regulated by Parliament and by the courts. At the very least by the Consumer Rights Act.

 

If you gave us more detail and explain what is all about and we might be able to advise you

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I am also a TCB member.

They state the cash back is not guarenteed as they rely on being paid by the agent. I have the same problem with Argos and l have been fighting them for years. Argos claim they cant find the order but l can on bank statements and in my kitchen.

 

It is normal for them to claim they are not regulated.

BankFodder the website is topcashback.co.uk

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Mrs Hobbit.

I find the clearing cookies does not benecit in any way. If anything l out my items in the basket then go via TCB and pay.

I have been a member for 7 yrs now and altho l dont have tons of money out of it, as l dont by holidays and insurance via it, l do have over £500. Not all companys pay out large amounts eg ebay pays out 1% per item

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Guest Mrs Hobbit

I only put the Which link up there to help. I don't know anything about TopCashBack apart from what I have read. maybe your post ing will help the OP with what is happening.

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I only put the Which link up there to help. I don't know anything about TopCashBack apart from what I have read. maybe your post ing will help the OP with what is happening.

 

Thanks very much

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I've been thinking of ways to approach this with a similar issue I've got with Quidco saying it takes 6 months to deal with untracked claims.

My plan is to complain to the marketing directors of the companies I've used via the cashback site.

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I had a run with quidco a couple of years ago when they didn't pay cashback for sure car insurance.

I ended up contacting esure ceo and his office was very efficient in sending screenshot of my purchase through quidco and their receipt of commission payment (figures blanked out).

Then quidco waved white flag and paid.

Maybe you should contact Argos ceo and see if they are efficient too.

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  • 5 months later...

Hi, this is my first post on here - hope I've posted in the correct place!

26/10/16 I took out home insurance with Nationwide and went through topcashback and it was tracked on my topcashback account that I had earned £36.75 from that purchase.

 

 

In may I contacted them as its was still pending - they said they had no extra info and that it still wasn't available.

Yesterday I checked my topcashback account and it was no longer showing even in my pending balance, I looked back at the payment and it now says declined.

 

 

So I went on to submit a support ticket and finally got a reply from one of their agents saying.......

 

 

Hi,

 

We are sorry your transaction has declined in your account.

 

The agency they use to run the cashback deals will not accept missing cashback claims, this is a term put in place by the retailer. So we are unable to advise you any further with this.

 

If we were to lodge a claim for you, the agency would refuse to investigate this.

 

I am sorry this is not a more positive response but I hope it answers your query.

 

Thanks,

Stella

 

 

......I have recently renewed with Nationwide so I know my policy is still in place.

I know its only £36.75 but the main reason I took out my home insurance with nationwide was because of the cashback and I just find it ridiculous that they don't accept claims.

 

 

Any advise would be greatly appreciated on what I am within my right to do next!

 

 

Thank you!!

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  • 1 month later...

Have you been able to get any further in regard to your £36.75p rebate?

 

Top Cashback has given you the runaround, in much the same way it appears to so often treat its users with contempt. This £multi-million company is, in fact, regulated by the Financial Conduct Authority and appears on the FCA's Financial Services Register as an "Appointed Representative", this being the formal term for its regulatory status as "a firm or individual that can act on behalf of another firm (its principal) that is authorised in the UK or regulated in another EEAA country. The principal is responsible for the appointed representative's activities." [my emphasis]

 

 

Where you are concerned, you were sold a regulated financial product (home insurance) by a business regulated by the FAC, the essence of sale being that a portion of the money you paid would be rebated to you.

 

As you received no such rebate, you were mis-sold.

 

The mis-selling of any financial product in the UK is taken seriously by the regulatory authorities, as demonstrated by the punitive costs incurred by the banking sector in regard to mis-sold PPI.

 

 

Though Top Cashback is currently not subject to much greater regulatory oversight -- it certainly should be -- it is, in this instance, unable to avoid the perhaps inconvenient reality that it was, in your case, the Appointed Representative of Nationwide. Please disregard then, any carefully constructed gibberish from Top Cashback and instead file a written complaint with the insurer in its capacity as principal.

 

Your complaint should state the time/date of purchase of the insurance, and the date(s) and content of any subsequent online contact with Top Cashback. Be aware that your complaint must be fact-based. It would not be enough to say that you bought the policy on the basis of the promise extended at that time (by the principal) on its Appointed Representative's (Top Cashback) website.

 

If you have no such proof -- ideally, screenshots of the transaction as it progressed, and at least one screenshot showing Top Cashback's confirmation of your visit -- then your complaint stands almost no chance of being accepted.

 

If, however, you know you can provide supporting evidence of your complaint -- and this is what we're talking about here: your correspondence with Nationwide MUST be headed: "COMPLAINT: Mis-selling of a financial product" -- then you will be seeking from them the sum of £36.75p + a £60 compensatory payment in regard to the stress and inconvenience caused to you.

 

Because you are invoking a complaint in regard to the mis-selling of a financial product, an 8-week period now kicks in, during which time Nationwide must, by Law, accept or reject it or make you a compromise offer (for example, the £36.75p, but not the £60 compensation.) You should know, however, that due to the nature of the complaint, you are entirely at liberty to accept the £36.75p whilst at the same time continuing on with your request for £60 compensation.

 

If after those 8 weeks have expired and you are still not happy with the outcome, you can lodge your complaint with the Financial Ombudsman Service. If the FOS decides that your complaint merits further investigation, it will contact Nationwide and require it to pay over a sum amounting to several £100s, this being the non-returnable fee that has to be paid to finance the FOS's inquiries. For obvious reasons then, businesses mindful of their own bottom line are mindful of the money to be saved by settling a complaint before it reaches the FOS.

 

So. There's the answer. Complain, with supporting evidence, to the principal (Nationwide) about the mis-selling of its financial product (home insurance policy) and seek payment of the outstanding rebate and compensation, allow a maximum of 8 weeks to elapse and then if the matter isn't settled, file your complaint with the Financial Ombudsman Service.

 

As to Top Cashback, don't believe anything that any of its representatives write or say. Keeping well clear of it.

 

 

* Apologies for not spotting this post of yours until just now, when I was browsing the forum for something different.

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