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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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Ryanair Not Paying In Full For Lost Luggage


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My son went to Dublin for a couple of nights with a group of friends first week of December 2018.

Ryanair lost his luggage although we believe it was stolen.

His luggage was full of designer (genuinely) and fortunately he had most of the receipts as quite a lot of his clothes had recently been purchased for his trip.

 

His local airport confirmed his luggage had been loaded onto the flight but Ryanair have confirmed they have been unable to locate it.

His luggage also contained some medication that he takes.

I am convinced it had been stolen so we instigated the claim.

 

Ryanair asked that we submit and eventually have offered just under £400 yet the claim was in excess of £800.

They state they make an allowance for depreciation yet most of the gear was bought a few days prior to the trip.

He also had to purchase new clothes, toiletries etc as soon as he arrived so the first couple of hours was spent replacing his gear.

 

Ryanair didnt offer him anything at the time of the loss to pay for essentials nor have they made any allowances for 3 items without receipts, suitcase, medication and the stress and inconvenience of having to replace everything and I am appalled at their derisory offer.

 

They really are the aviation [removed] of the world.

 

Any advice and guidance would be appreciated

Edited by dx100uk
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forget the sympathy vote for the medication...

 

briefly tell them that the items were newly purchased specifically for the trip and that, to replace the items upon discovering they were irretrievably lost , also cost xyz.

 

give them 14 days to meet your full required sum or a letter of claim giving 14 days before a court claim will be issued without any further notice will be sent.

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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Not after a sympathy vote dx100uk purely stating what was in his luggage. My son takes prescribed daily medication which impacts on him if he doesnt take it. He tried to get emergency meds but was refused.

Anyway, back to the claim, I will do as you suggest dx100uk. I understand any reclaim shortfall can be claimed via his bank insurance.

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forget the sympathy vote for the medication...

 

briefly tell them that the items were newly purchased specifically for the trip and that, to replace the items upon discovering they were irretrievably lost , also cost xyz.

 

give them 14 days to meet your full required sum or a letter of claim giving 14 days before a court claim will be issued without any further notice will be sent.

 

A bit tactless even for you dx.

 

H

44 years at the pointy end of the motor trade. :eek:

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Sadly that's the only way to make Ryanair listen. They think they're above the law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Further to my previous email, I have been reading up on the Montreal Convention in relation to lost Baggage

 

The Montreal Convention requires airlines to treat a bag as lost after twenty-one days. In assessing your claim, an airline may well ask for a list of the items that were in the missing bag, and possibly for original receipts. In doing this, they are behaving like insurance companies. And, like insurers, their offer of compensation will be unlikely to match a claim in full. In particular, they will probably reduce the payment because of depreciation. You may find you can get a better settlement from your travel (or home contents) insurance even after allowing for any excess on the policy. If you claim on an insurance policy, it is likely that your insurer will re-claim the money from your airline or its insurer.

 

Any thoughts please

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Ryanair have stated that they are to make payment within 10 days then as far as they are concerned the matter is over. Do I wait until they make payment then advise them that I am pursuing them through the small claims court for the shortfall. Any guidance please as the 10 days are up on wednesday

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DOesnt matter if its the end as far as they are concerned. They dont make or dictate the terms.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Not sure about that. I think you have to agree in advance that if they send it., then its part settlement. But others may have different opinions.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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How have they paid? If by cheque you simply do not bank it, if by bank transfer you state that you have received the part payment but will be pursuing the balance. They cant claim the money was accepted as a full and final if you had no say in the acceptance of the amount. That is determined by case law going back over 150 years

Edited by Andyorch
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Cheers ericsbrother. They asked for bank details so would presume they bank transfer it. If they were to send a cheque would you not suggest banking it and informing them of partial settlement. I told them that their offer was unacceptable to which they responded that their offer was final. I didnt reply until I received guidance from CAG. As I mentioned in previous post, I understand you can claim on Insurance however feel very strongly against Ryanair and the companys negligence. I

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