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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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Bradford+Bingley RBS Lomard Tricity Loan PPI reclaim +20yrs old **WON**


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Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Thanks

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No dont use that use our spreadsheet

What the type of credit and with who?

Have you all the statements or the org agreement?

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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Hi dx100uk,

 

I looked at the spreadsheets but the output didn't look appropriate.

I have a SAR response for a 20 year old loan with PPI, the agreement form appears to be a blank copy or such a poor scan that it looks like it hasn't been filled in.

 

The loan was arranged/sold by a building society but was from Lombard, now part of RBS.

 

What I have is:

 

 

Amount of loan

Total interest

Total insurance

Total repayable amount

Term of loan

Monthly installment amount - fixed amount, same amount each month

Due date

 

 

And a payment history

 

 

I'm trying to work out the total amount I should be claiming from the building society in a direct PPI claim, ie not small claims (as yet)

Edited by ghettopimp
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no that's perfect

 

follow this

https://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

 

then use statint spready

https://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

it does everything foryou

the only thing you need to workout is the PPI%

 

PPI/loan+PPI*100=PPI%

then anything you paid that % is for PPI

don't forget you must enter the monthly sum individually for each month you paid the PCM loan payment.

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... 

Link to post
Share on other sites

copy of pm uploaded here:

 

Default Calculation verification

 

I don't want to add the numbers to the visible thread, hence PM - just a check of my working:

 

So if I have the following over a 48 month loan:

Total interest £2120.40

Total PPI insurance £1126.00

Loan £4700

 

Using PPI/loan + PPI*100 = %

 

I am assuming this is (PPI / (Loan+PPI)) * 100

 

=19.327%

 

then calculate 19.327% of total interest and divide by 48

 

=8.537 PPI interest PCM

 

Then add that to 1/48 total PPI

=31.996 monthly PPI + PPI interest PCM

 

Which for my loan gives a claim to date of £3741.09

 

Does this seem correct or have I messed up - not too sure about the PPI % order of operations.

 

With thanks,

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

nope read my advise properly..

scan up your agreement to PDF ONLY

read upload

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... 

Link to post
Share on other sites

From what I can find, s77 CCA doesn't apply for a copy of the agreement once the loan is paid off, and the agreement sent with the SAR response looks to be a blank copy - I imagine you won't want that.

Other than that what have I not read properly ?

Edited by ghettopimp
correction of CCA comment
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Using PPI/loan + PPI*100 = %

 

I am assuming this is (PPI / (Loan+PPI)) * 100

 

=19.327% correct

 

then calculate 19.327% of total interest and divide by 48 nope

 

=8.537 PPI interest PCM nope

 

Then add that to 1/48 total PPI

=31.996 monthly PPI + PPI interest PCM nope

 

Which for my loan gives a claim to date of £3741.09 nope

 

Does this seem correct or have I messed up - not too sure about the PPI % order of operations.

 

With thanks,

 

Anything You paid 19% was toward ppi

So for each of your 48 monthly payments you enter what figure that 19% was for EACH date you paid it and enter it individually in the stat int sheet

The sheet does the rest

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... 

Link to post
Share on other sites

Current agreement and policy added

 

So with monthly repayments of 165.55, entering £32 in the sheet for each month gives me £3,741

Just to recap, this was a loan of £4700, over 48 months with total PPI (not interest) of £1126 with a total repayable amount of £7946.40 over the full term

agreement_policy_1998.pdf

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correct

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... 

Link to post
Share on other sites

  • 3 months later...

Finally had a response back from the building society which arranged the loan

- they state the provider, Lombard (RBS) confirmed to them have no data regarding the selling agent and will investigate no further until I can provide the building society with proof they were the selling agent of the Lombard loan.

 

I do have loan documents from Lombard on the back of a SAR but the agreement is a blank photocopy with a hand written month / year reference circa the time of the loan.

 

Any suggestions on what I can do to move this forward ?

Just to be clear, originally all I had was a confirmation from Lombard regarding the final payment being received, the only hard proof I have is the SAR documentation from Lombard which specifies the loan account, amounts, payments but no seller data.

 

At the moment I'm thinking of SARing the building society since all I've sent to them so far is a PPI claim

Edited by dx100uk
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You dont need to pm everytime you post an update to your thread..

We get an email alert as you have to this new post

 

Yes [who are they?]

 

Why dont you go after lombards underwriters too?

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

'They' are Bradford & Bingley Building Society

 

 

 

Going after Lombard / RBS - yes I was thinking that's my next step since I have clear proof they provided the loan and the insurance was under their name with the insurance provider, Pinnacle.

Is there any pitfall with this and should I be going after Pinnacle rather than Lombard / RBS ?

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Id hit the underwriters

R

 

RBS BB etc would not have been regulated 20yrs ago

 

But the underwriters would have under GISC

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... 

Link to post
Share on other sites

Did the General Insurance Standards Council codes apply in 1998 ? From what i can find it appears to be around 2001 though the Association of British Insurers code seems relevant and predated this at 1989.

I see the FOS has some useful guidance under financial-ombudsman.org.uk/publications/technical_notes/ppi/rules-codes.html particularly the section at the bottom under the headings application and other litigation

 

Thanks for the guidance dx100uk

Edited by ghettopimp
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Good work keep pushing

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... 

Link to post
Share on other sites

yes ABI that was the other one

 

there have been many good wins with underwriters in the late 1990's using ABI.

 

see the FOS examples

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... 

Link to post
Share on other sites

  • 3 months later...

Update on success -

Sent SAR to the underwriters Pinnacle - their response must have been sent back the day they received it given the turnaround - the response was along the lines of 'we have no record of you'

 

I sent the claim to Lombard /RBS just as the FOS wrote to me suggesting as much as they had spoken with RBS who told FOS they would look at the claim if sent in by me.

 

Seven weeks later - RBS have settled with a letter beginning "Thank-you for accepting our offer via the Financial Ombudsman Service"

 

Nice, but I don't recall accepting - must have been FOS on my behalf.

 

The sum is as we calculated above, adjusted for the payment date, thanks dx100uk ! The only shock is the removal of £453 for income tax on the statutory interest with an explanation of HMRC ruling of Oct 2013.

Leeches.

£3,348 - not bad for a 20 year old loan with no paperwork save a 'thanks for your final payment' letter :-)

 

The only advice I can give to anyone else with little in the way of proof of the loan, is per the thread and advice on the PPI pages here,

 

SAR every organisation involved before claiming

- the seller,

the loan provider,

the PPI underwriters and

any other company you can if they have been sold on or taken over and

 

once you have usable documentation, claim against the company providing the documentation.

Good luck!

Edited by dx100uk
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good on ya

nice xmas present too.

 

glad to help..

 

don't forget without CAG we'd never have helped

so think of a donation to keep us here

 

regards

 

dx

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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