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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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    • 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 
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    • 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

Yosemite v Yorkshire Bank ***WON***


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Hi,

 

I started my claim against Yorkshire Bank In December and submitted a MCOL after sending all the recommended letters. The Bank has today entered a defence stating that the claimant must obtain the banks agreement before overdrawing and that charges and interest were published in their tariffs. They also deny that the charges are disproportionatel penalty and unenforeceable as alleged in my claim and they were a genuine pre-estimate of cost for failing to keep within the agreed overdraft limit. They further deny that the charges were levied pursuant to a contract term under section 4 of the unfair contracts terms act 1977 and that by virtue of section 15 of the supply of goods services act 1982 the charges fall to be determined by reference to what is reasonable for the service. Therefore section 15 of the act has no application in these proceedings.

They go on to say that the charges were not unfair within the meaning of the unfiar terms in consumer contrct regulations 1999. The charges are not compensation, but a fee for the service provided by the Bank. The believe that the terms and conditions were fair in relation to the cost to the bank of maintaining admin systems relating to unauthorised overdrafts, unpaid cheques etc for the purpose of keeping the level of overdrawing under review and controlled.

HELP. I want to take this all the way and I am prepared to go to court, but I am feeling a bit out of my depth with all this legal jargon. What is my next step do I need to do anything and is what they say true.

 

Any advice would be greatly appreciated

 

Thanks

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What is my next step do I need to do anything

Wait for the AQ:

Allocation Questionnaires - A guide to completion

Allocation Questionnaires - A guide to completion

Allocation Questionnaire - Draft directions order

New strategy for Allocation Questionaires

 

and is what they say true.

 

What??? A bank, lie to you? How could you think such a thing?
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I hope a lie is not being suggested as I believe that could be libellous and potentially cause damage to the site, especially without proof.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi,

 

I started my claim against Yorkshire Bank In December and submitted a MCOL after sending all the recommended letters. The Bank has today entered a defence stating that the claimant must obtain the banks agreement before overdrawing and that charges and interest were published in their tariffs. They also deny that the charges are disproportionatel penalty and unenforeceable as alleged in my claim and they were a genuine pre-estimate of cost for failing to keep within the agreed overdraft limit. They further deny that the charges were levied pursuant to a contract term under section 4 of the unfair contracts terms act 1977 and that by virtue of section 15 of the supply of goods services act 1982 the charges fall to be determined by reference to what is reasonable for the service. Therefore section 15 of the act has no application in these proceedings.

They go on to say that the charges were not unfair within the meaning of the unfiar terms in consumer contrct regulations 1999. The charges are not compensation, but a fee for the service provided by the Bank. The believe that the terms and conditions were fair in relation to the cost to the bank of maintaining admin systems relating to unauthorised overdrafts, unpaid cheques etc for the purpose of keeping the level of overdrawing under review and controlled.

HELP. I want to take this all the way and I am prepared to go to court, but I am feeling a bit out of my depth with all this legal jargon. What is my next step do I need to do anything and is what they say true.

 

Any advice would be greatly appreciated

 

Thanks

Hi

 

I am not suggesting that it is a lie but I am not familiar with legal jargon or all these acts they keep quoting and I suppose what I really want to know is how to reply to these issues. I would like to hear from anyone else who has claimed or is claiming from Yorkshire Bank.

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Sorry Yosemite, I'm afraid you were victim to some high spirits. You did nothing wrong. Michael Brownes advice re the AQ was spot on.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They go on to say that the charges were not unfair within the meaning of the unfiar terms in consumer contrct regulations 1999. The charges are not compensation, but a fee for the service provided by the Bank.
This is known as cloaking a service, and the OFT, in their booklet "Calculating Fair Charges" points out specifically that this is not allowed. The penalty is a penalty, and it is not a fee for a service...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi

 

I am not suggesting that it is a lie but I am not familiar with legal jargon or all these acts they keep quoting and I suppose what I really want to know is how to reply to these issues. I would like to hear from anyone else who has claimed or is claiming from Yorkshire Bank.

 

 

Easy to find this..........go and look at threads in the Yorkshire/Clydesdale section........and if you are not convinced then the settled cases in the same section should convince you 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi, I am just sending in my Allocation Questionnaire. I am using the new strategy and sending this with Draft Order for Directions and have a question regarding this. If this is agreed what would I send for c) and d) Statement of evidence and copies of decided cases and other legal materials.

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Assuming the judge actually makes the draft into an order, you will then have to provide -

 

a) schedule of charges and interest

b) statements showing charges

c) statement of evidence

d) cases and statutes. These can be found in the Basic Court Bundle

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Another question. I have sent all my previous correspondence to Yorkshire Bank in Leeds, but received a copy of their defence from the Legal Dept in Glasgow which address should I send the copy of the allocation questionnaire to Leeds or Glasgow

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Glasgow - all correspondance and court documents should be served to the solicitors.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thread moved to the YB forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Yosemite,

 

You might want to add to the draft order to request disclosure of CYNtheSYS. The system identified in Whistleblower which identifies the exact amount it costs them to process any transaction.

 

All the best

 

Zoot

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  • 3 weeks later...

Hi, I rang the court today as submitted my allocation questionnaire over 2 weeks ago and Yorkshire have only just submitted theirs and missed the deadline date. I spoke to a clerk who said that there is chance that it may be referred to the Leeds Court something to do with the Mercantile Court and consistency because of the volume of cases. He said this was up to the local judge and I will hear something soon. If this happens is this good or bad and what should I expect.

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  • 3 weeks later...

Hi, I have been reading about the hearing at Mecantile Court in Leeds on 26th April and I am starting to feel worried as I believe my case may also be referred to Leeds. I submitted my allocation questionnaire 3 weeks ago and rang the court last week and they informed me that that I should hear from them within the next week. Could you confirm that all the YB cases were settled? I know they asked for the cases to be delayed until the end of the year when the OFT REPORT

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Hi, I have been reading about the hearing at Mecantile Court in Leeds on 26th April and I am starting to feel worried as I believe my case may also be referred to Leeds. I submitted my allocation questionnaire 3 weeks ago and rang the court last week and they informed me that that I should hear from them within the next week. Could you confirm that all the YB cases were settled? I know they asked for the cases to be delayed until the end of the year when the OFT REPORT is out do you think this is likely to be agreed at future hearings? also what happens if your case is selected as a Test Case?

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I hear Leeds plan more Mercantile Directions Hearings, so if you haven't heard from the court yet, maybe your case will go to the next hearing. One YB claimant didn't turn up, but if you haven't heard how your case is to be allocated in writing yet, it can't have been your case. This is what barnett had to say about it.

 

http://www.consumeractiongroup.co.uk/forum/mercantile-court-cases-stays/75786-mercantile-hearing-leeds-26th-4.html#post778863

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I wonder if YB will use the case that didn't turn up and say they have 'won' or 'successfully defended' at court.

 

Does show how concerned they are though doesn't it when they are trying to stay cases until an OFT report.

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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I think that may explain their current delaying tactics with SAR's. Doesn't matter what the OFT say though, as if the charges are unlawful, as we know they are, then they have to pay back the full amount and can't just pay the difference between whatever the OFT may come up with, and what they have charged.

 

Martin Lewis might like to make a note of that.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you. Reassuring to hear that both request were refused. Yorkshire Bank seem to be one of the hardest to do battle with as they always want to delay settlement for as long as possible.

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  • 3 weeks later...

I have just received a hearing date of 20th July. I am disappointed that my case was not referred to the Mercantile Court as this seems the quickest way of settling. The new directions included in the allocaltion questionnaire have also been ignored. At this point would it be worth writing another letter Yorkshire Bank asking them for a settlement to avoid wasting more time and money. My spreadsheet of charges and interest was prepared several months ago and is now 5 months out of date with regards to interest. Do I have to do this again or is there a quick way of working out the extra interest. I devestated to hear that a Birmingham Judge has ruled in favour of Lloyds TSB will this make the banks more inclined to take it all the way and turn up to court hearings or more worrying district judges following suit and filing in favour of the banks.

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