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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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Very old LLoyds Business bank loan 1991


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Hi guys, need some advice on where and what to do next on my fathers ppi claim.

 

The claim relates to a TSB 40,000 pound business loan my father started in approx 1991.

 

We have the account no from old 1994/95 bank statements showing he was paying about 500/600 per month for the loan.

 

At first Lloyd’s stated that they could not locate the loan, then they said they located the loan account but no proof/record of ppi

 

So I did a SAR, (copied off this site)they have just sent back the cheques stating they do not keep records this long and they can find nothing.

 

Is the standard of proof on me to prove the existence of PPI or is it for them to prove there was not.

 

What’s my next step please.....Thanks in advance for any help and advice

Edited by dx100uk
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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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For how long did the loan run?

Please can you post up the letter which says that they can't find ppi

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Thanks guys really appreciate you taking the time to reply and supply info

The loan was over 10 but was settled in full early after 8 years.

I will arrange over the the next day or two to get a copy of the letter uploaded.

Thanks again bankfodder’, Dx.

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Yes please.

It could be important

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Thank you.

 

I was hoping it would be a slightly different letter. Lloyds have been sending letters out claiming that they have investigated all of their historical and archival records and found nothing. These letters have always been untrue and in fact they were criticised by the FCA for sending them out and warned not to send them. However they have continued sending them.

 

Well they are asking you for further information and they are also suggesting you can go to the ombudsman.

 

Are you going to send them the further information that they want?

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Hi bankfodder, thanks again I have a couple more letters that hopefully you can see,

although I’m not good at this type of thing,

 

we did respond to first letter and supplied bank statements and account numbers business names.

 

Please let me know if the other letters do not appear for you to look at.

docs1.pdf

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can you pop your images upload into one pdf please and attach so we can then read them and zoom

read upload

 

ive done the pdf for you in post 8

please read the PM I've sent

  • Confused 1

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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Share on other sites

First of all, I'm not convinced that any of these banks don't have records earlier then for instance, 2001. We know that the NatWest and the RBS have archives going back at least until 1994. About 10 years ago I met and interviewed a woman who was an archivist for Abbey National then Abbey eventually Santander. She told me that they keep all their records going back to 1933. She said that they were paper records and then in the 1960s they move to microfiche and then eventually to electronic records. Apparently they have/had an archive centre in Leighton Buzzard. I don't know if it still exists.

 

However, there must be lots of clients with important business going back well before 2001 and I know that Lloyds are habitual liars. I know of at least three SAR breaches that they have committed and also lies from them about the nonexistence of PPI accompanied by misleading letters claiming to have searched for their archives. They were even criticised for this by the FCA in 2015 – but yet they continued to do this. I have a copy of an identical letter criticised by the FCA which was sent to me in 2017.

 

Of course I could be wrong – maybe they really have destroyed everything – but I doubt it.

 

One comment which stands out for me in their letter of 23 March which you have posted is that they refer uniquely to their electronic records and they are essentially saying that as the information you are looking for predates the electronic records, they haven't been able to carry out a proper search – or maybe no search at all.

 

They talk in terms of a general duty to delete information – but they don't specifically say that your information has been deleted.

 

What one really needs is a way to discover if they maintain a microfiche archive or a paper archive somewhere. I would expect that records at least from 1970 onwards to 2001 would have been kept on microfiche.

 

I don't trust Lloyds bank – and I think anyone who does is a fool. Lloyds routinely break the law in terms of data breaches, mis-selling of products, the use of deceptive/misleading letters. Why is it they are suddenly so squeakyclean now?

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Thanks again you guys for helping me out and your lengthy response bankfodder, i hear and agree what you are saying, but where does that leave me now, have i got a next step.... what do you suggest?

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To me it sounds as though data before August 2001 is not stored in a "relevant filing system" (a definition from the DPA) and therefore is not easily searchable. As such they require more context and information in order to locate such data.

 

Thanks again you guys for helping me out and your lengthy response bankfodder, i hear and agree what you are saying, but where does that leave me now, have i got a next step.... what do you suggest?

 

One of the letters suggests that the business was a partnership. Does the other partner have any records? Or information that would help Lloyds with tracing?

 

Also, it looks as though you sent the SAR to their Andover address. You may wish to try the equivalent team within their Commercial Banking arm:

Commercial Banking DSAR Team

Lloyds Banking Group

1st Floor East

Tower House

Charterhall Drive

Chester

CH88 3AN

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This is an extremely interesting point and a very good suggestion indeed.

 

Also, thank you very much indeed for this new DSAR address. This is the kind of thing that generally speaking Lloyds tends not to publicise very much.

 

Under the new GDPR regime, they would be obliged to cascade the request to all of the departments and entities within the group. Under the present SAR system, if you don't target your SAR correctly then Lloyds/data controller would be legally justified in not responding with a full disclosure.

 

As I have said previously, they are thoroughly dishonest – but of course so are the rest of them.

 

Swinterton, I think you should take out the suggestion of sending an SAR specifically to the commercial DSAR team and see what that produces. However, send it on 25th May.

 

Also, I think that your SAR should specifically ask them to identify any sources or archives which they have not searched because they feel that it could be disproportionate. Ask them also whether there are any paper or microfiche archives in existence which may contain your data but which they have not searched.

 

What a nuisance one has to try and be so canny all the time with these people.

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Thank you St Jane for chipping in, that sounds like a good plan. Yes, it was a joint venture/business but i have provided them with all names DOB and addresses going back 30 years for the both of them, i don't think there is anything else i could provide....nat ins numbers maybe, i could try that.

 

Bankfodder - i will do as you suggested, i am going to type up a new SAR with the alterations and specific questions tonight then get it to my mother and father to sign and in the post for tomorrow.

i will keep you guys posted with any updates, and once again thank you for taking the time to respond

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  • 2 months later...

Hi st Jane and bank fodder, it’s taken a while but I have got another reply ref old ppi/accounts with tsb’ still no good it would seem as they do not keep records any longer than 10 years . Any advice would be appreciated

Thanks guys

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read upload please

one multipage PDF only please

 

thread tidied

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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