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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Letting Agent Trouble.


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I am struggling with the local letting agencies,

I am disabled and I do not wish to divulge this fact to the letting agency,

this is my own personal right and I shouldn't have to let this fact be known to anyone should I so chose

but I am facing discrimination and other problems due to their policies.

 

I already know that I will fail a credit and employment check,

but I have through some luck managed to borrow enough money to pay for an entire six months tenancy,

including letting agency fees and the landlords deposit in advance,

this means they will be at zero financial risk.

I am polite and approachable,

I have good character references and landlord references.

 

However, the excuses have started,

I am being told things like,

couldn't I go to a different agency?

 

This isn't the way we usually like to do things and even excuses like,

I've heard that we could be taken to court for doing this kind of thing,

at this stage I have simply made some inquiry's and been well mannered but they are already refusing to correspond with me by e-mail.

 

These agencies are literally creating our country's homeless problem,

deciding who they chose to rent too and who gets to have to ruff it in a sleeping bag in a shop doorway,

they should be held accountable and I should have legal rights,

I need to know what those rights are.

 

I realize I can file complaints and disputes and even take court action however these are lengthy procedures and I need to find somewhere to live now and I am facing homelessness yet again.

 

Do I have any legal rights here?

What reasons do they have to decline me?

Don't I have rights as a consumer?

 

 

Please Help.

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You already Sa you will fail a credit and employment check so a disability is irrelevant.

The letting agency uses credit and employment checks to check suitability for the landlord.

They do not have to rent to you.

Just inthe same way a shop does not have to sell you an item you want. You cannot force the shop to sell it.

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You already As you will fail a credit and employment check so a disability is irrelevant.

The letting agency uses credit and employment checks to check suitability for the landlord.

They do not have to rent to you.

 

Why would you need to pass a credit or employment check if the money is already paid in full and the landlord is at no financial risk, I'm afraid you have succumb to a common bias against people who are un able to work, you probably also believe I am living off your taxes as well no doubt?

 

disability is irrelevant

 

Wrong again, if a companies policy discriminates against disabled people they can be prosecuted by the court of human rights.

 

 

a shop does not have to sell you an item you want. You cannot force the shop to sell it.

 

I don't believe this is the case, by that logic a shop could decide they only wish to sell goods to white people for example, which is of course discrimination and illegal, we all have equal rights as consumers.

 

Sorry sgtbush I think you're talking rubbish there.

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"Why would you need to pass a credit or employment check if the money is already paid in full and the landlord is at no financial risk"

 

Because this is the oldest trick in the book: pay 6 months rent in advance and only move out once you get bailiffs at your door, 2 years later.

So 2 years rent for the price of 6 months.

Also, considering that you would fail a credit check, it is safe to assume that any ccj wouldn't be satisfied, so total loss for the landlord.

That's why.

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I'll break it down to 3 simple answers.

Letting agents use credit/employment refs to see stability. What after 6 months pre paid the tenant refuses to leave.

( the op has already stated they would fail such checks)

 

2. The op is not disclosing to letting agent that they are disabled ( which is their right) so they cannot claim discrimination if they are disabled. How does the letting agent know

 

3

A shop does not have to sell a product to anyone they choose. You cannot demand tescos to sell you a packet of biscuits if tescos do not want to.

 

 

I will also add that only public body's are subjected to the human rights act and therefore can be brought to account in the ECHR. Private entities are not so subjected.

I will also add that the HRA and discrimination are two different things

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Sorry sgtbush I think you're talking rubbish there.

 

I don't think sgtbush is talking rubbish here.

 

Disability discrimination law only applies here if the letting agent knows, or should reasonably be expected to know, that you are disabled Coda. Equality Act 2010 section 15 (2).

 

But in your first post you said "...I am disabled and I do not wish to divulge this fact to the letting agency, this is my own personal right and I shouldn't have to let this fact be known to anyone should I so chose...". So presumably the letting agent doesn't know you are disabled. Therefore the letting agent is not legally discriminating against you because of your disability. Under the Equality Act they can't discriminate against someone if they don't know they are disabled.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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another problem you will have when offering to pay up front for 6 months is that the money laundering regs protocols the letting agent has to go through will mean they have to at least ask a lot more questiosn and get you to show them a a lot more evidence of who you are and where the money comes from and thus income for affordability purposes.

 

It is also common for drug producers to pay the rent up front and as soon as they are in the property they rip out all of the walls and divert the electric to install their growing labs.

 

It may be unfair to you but your offers and requests have set off so many alarm bells for them I would be surprised of you got any offers rather than being surprised at the refusals.

Edited by Andyorch
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It would be handy to know why you think you will fail a credit check? Usually the credit check fails if you have a CCJ, or have been made bankrupt. In that case, most lettings agents would accept a guarantor, if you had anyone that could act in such a way?

 

I'm assuming you're unemployed as well, and not claiming any benefit entitlements? The only way the lettings agent would rent to you, would be if you had a guaranteed monthly income, and if the 6 months rent you have could be broken down into monthly payments. I can see why they wouldn't rent to someone with no income and a large sum of money, and as others have pointed out, they aren't aware of your disability. If you tell them you're disabled and earning xyz through disability payments, and they then deny you - You'd probably have more of a case, but you'd have to then spend your savings taking them to court...

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