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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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Abbey National Graduate Account


heyjude
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Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

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Hi. Im new to the site after reading about it in Daily Mail. I have been a customer of Abbey for approx ten years, the last three years having changed my account to a student account (mature student) which I maintained within the o/d limit.

 

However, since graduating, until recently I was unable to find a job. My overdraft limit was exceeded by 27p due to aq direct debit going out earlier than expected, for which IO was charged £30-00. I was then charged a further £20-00 for just being over my limit.

 

This has escalated over the past few months, and although I have tried my hardest to bring my account into some kind of credit, every month there is another charge, so even when I get into credit, they charge me for having been overdrawn therebye putting me back into debit.

 

I have phoned Abbey three times to plead my case, to no avail. Just the usual tripe about being comparible with other high st banks etc. Last week I called in to see the branch manager, and after some time where I was asked to discuss my concerns in front of a que of people, she agreed to re-credit the last £30-00 charge, and said that she had done this on computer whilst we spoke.

 

One week later, I found that she had not done this. Anyhow. I now have a job and would like to start the proceedings against Abbey. However, I am worried that they willl immediately recind my overdraft, as though I am about to start clearing it am not in a position to do so immediately.

 

Has any one got any ideas or shall I just put up with it in order to have enough time to repay the o/d. They have charged me £220-00 in the last five months for a maximum of £30-00 ovef limit, most of which was incurrewd throught their charges.

 

Thanks for any ideas. Heyjude

 

[edited by Site Admin - sorry, I found it really difficult to read when it was all one block of text.]

Heyjude

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Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

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Firstly can you find the paragraph return key on your keyboard and learn how to use it please.

 

 

Secondly. I would normally advise you to go for the throat but there is certainly a risk that they might close down your account and overdraft.

 

You might be advised to open a new account elsewhere is preparation for the big day.

 

Pay back your ovedraft with Abbey and when you are ready in a few months - with nil or minimal OD and a new escape account waiting, attack Abbey for your money.

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Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

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Hi I thought i posted this last week but I must have pressed the wrong button. I am new to the site and have a problem with Abbey. I have a graduate account with an overdraft limit of £16000. Approximately four months ago I exceeded the limit by £22-00. I was charged £30-00 for this and whilst, and in the following months have been absolutely hammered with bank charges. I have tried to keep the account within the limit, but everytime I pay an amount in, the following month they ad extra charges which take me over the limit for which they again charge. Once I was 27p over my limit and they charged me £30-00. These charges actually put me over the limit and keep me there. I have spoken both on the telephone and in person to Abbey and pleaded my case. They refuse to raise my overdraft limit even slightly to allow me to have an overdrawn free month.It has caused me hardship and worry trying to get my account within the limit. This month they have charged me £50-00 in charges. The manager in my branch agreed to refund the last charge of £30-00, and actually said she had done it in my presence, but when I checked the following week she hadn't. I have held an Abbey account for over ten years without going overdrawn. It is only the last few months that I have had this proble, and Abbey have charged me a total of £210-00 for the princely sum of £22-00. I would like tyo take action, but am worried that they will immediately recind my graduate overdraft, and I am not in a position at present to repay this amount immediately. Can anyone give me some advice. Thanks

Heyjude

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You did post it in a thread called Graduate account. It has had some replies.

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You did post it in a thread called Graduate account. It has had some replies.

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Thanks for the replies,

 

As you can see I have learned to use the paragraph return key.

 

In reply to your question Dave, no MY overdraft does not exceed the amount taken in the last six years. In fact I have my statements since 1994!!, and it is only since changing to a student account that I have had an overdraft, and only in the last few months that the limit has been exceeded.

Heyjude

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Overdraft does not EXCEED amount of charges???

 

Confusing cos you then imply that charges are low cos they are only in the last few months!!!

 

Correct me if I am wrong but that is how I read it!

 

Regards

Just another 21 Banks to go......

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I have a graduate agreed overdraft of £16000. I exceeded this accidentaly by a small amount due to a standing order going out earlier than normal. This started a range of charges and penalties totalling

£220-00 in the past five/six months.

 

I dont think I implied that the charges were low. In fact I think the charges are absolute extortion.

 

However, I realise not as high as some peoples on this site who have been overcharged for a number of years.

 

Does this clarify matters. Thanks for your response

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Hi Heyjude,

 

I am in the same position as you.

 

I have an Abbey National students account, and last month I went over my overdraft limit (£1,250) by under £20, therefore occuring the £30 penalties.

 

When my wages were paid in this month they took it all in charges, leaving me once again over my overdaft limit, when i called abbey, I waas told that there is a pending charge of £260 due on the 26th March, which will once again put me over my O/D limit.

 

I am a student working part-time, I feel like there is no way out, like im just working to pay the banks fees......

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Hi Tash, I sympathise there seems to be no way out other than being able to pay in quite a substantial amount.

 

I think Ill take previous advice i.e pay off the overdraft as soon as poss and go for the jugular. I already have another bank account

 

 

 

Merged threads, please keep to the same one.

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  • 13 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Heyjude

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