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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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Nationwide unaccepted insurance contract


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Hello again,

 

I have followed your advice to requested all the data by sending them SAR letter. However after 40 days my recorded mail with a postal order £10.00 enclosed was delivered to the insurers, they replied to me asking me to contact its underwriter directly for those data. I received the letter on 20/01/2017 while it was dated 07/01/2017.

 

ICO advised me yesterday to contact the data protection officer of the insurers directly, requesting them to provide any data they held on me.

 

In view of the above, any advice, please?

 

I don't quite understand.

 

Name your Insurance provider and name the underwriters.

We could do with some help from you.

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If I was in your shoes I'd let this run the full course with the FOS.

 

Thanks for your feedback.

 

FOS has already got back to me, suggesting a disappointing decision on phone.

 

Although the decision sounds in my favour but it would not help me to recover the insurance interest of the policy I have paid for so many years.

 

I hardly see fairness in this decision which FOS say was its core value of its work.

 

Currently the landlord is taking me to the court for service charges dispute, while I cannot afford to hire a solicitor due to being deprived of the lease dispute cover.

 

FOS people sound very friendly; however they don't seem to have guts to do things right. I assume that is because the businesses pay FOS's salary.

 

hello Mr Uncle.

 

The case is still ongoing, Sorry I am not able to publish their names this moment.

 

I am sure the insurance provider has played the same tricks to millions of policy holders in UK. I strongly believe that the insurance provider will face missold policy claims by those policy holders.

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  • 9 months later...

I have finally received the 'Final Decision' by FOS ombudsman after more than one year time.

 

The case was delayed severely partially because FOS had to replace the ombudsman for a strange reason

 

- Ombudsman L was investing my case for about two months and went for holiday before making his final decision upon receiving the last document he requested from the insurer.

 

Then I was advised that Ombudsman L had to be replaced by Ombudsman M,

giving the reason that Ombudsman L had been involved in my case for too long and too deep.

 

Another reason is that FOS had to spend a few months to wait to receive a policy document:

as the insurer claimed to have sent to me in May 2013 to advise me of the removal of lease dispute cover,

therefore from Jan 2017 to August 2017,

FOS and I were made to wait to receive a copy of this policy document.

 

The fact was that the insurer tried to for three times send in documents,

none of which served as an official policy document sent to a client.

 

Shamelessly,

the insurer changed its claim,

saying it advised me of changing my policy in its letter which was sent to me in August 2013 to reject my claim made during that time.

 

Unbelievably,

FOS ignored the insurer's original claim and bought in the second one,

unfairly rejected my complaint based on this letter,

which I had never received.

 

And, I pointed out the letter provided by the insurer bore no authentication,

not in letter headed paper and having no signatures.

Finally, I realise that I had no chance to win due to FOS's behaviors.

 

In my case, FOS went totally against its standards, being fair and quick.

 

Ombudsman L decided ( in a provisional decision):

My policy includes Lease dispute cover till Oct 2015,

the insurer to re-consider my claim made in 2013,

and the Insure to refund my premium paid till today.

 

Ombudsman M decided ( in the final decision):

my policy includes lease dispute cover till August 2013 and the insure to provide £250 compensation. ( in this one, most of my insurance benefits would not be recovered)

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  • 4 weeks later...

I have had my home insurance with Nationwide since 2007,

including legal expense assistance insurance covering lease disputes.

 

I made two legal expense assistance claims in 2013 and 2017.

Nationwide rejected both of them as Nationwide claimed to have sent me documents in May 2009 advising me that changes had been made as to remove the lease disputes cover from my policy.

 

As I made a complaint to FOS in 2016,

Nationwide provided FOS with copies of all those documents to prove Nationwide had mailed me them from 2009 to 2014.

 

Some of those documents were Nationwide leaflets and did evidence changes to Nationwide Home Insurance Policy.

I have never received any of them as I also sent FOS all the documents I received from Nationwide.

I can swear for my life that I have never even seen them before.

 

Sadly, FOS selected to take Nationwide's side and rejected my complaint, accepting that my policy was changed.

I don't know how many people out there who have purchased Nationwide home insurance.

Have any of you come across the similar situation?

 

I was ended up unable to hire any legal service to defend myself when my landlord took me to the court for service charges this year.

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merged with your existing thread that you seem to resurrect every November of the last few years.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't quite understand.

 

Name your Insurance provider and name the underwriters.

purchased the home insurance policy from Nationwide. The underwriter is UK Insurance and was Churchill before 2012. The insurer for the legal expense assitance insurance is DAS.

.

Kindly provide your further comments, greatly appreciated

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