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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
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Alphageek Vs Capital One ***WON***


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Ok, every in and out action has been particularised on a spreadsheet.

 

Sub totals 18h:55m:00s

Hourly rate £9.25

Plus actual costs £17.40

Grand Total £192.38

 

Should put a nice smile on their face when they get this letter.

 

Sounds like a nice sum. No where near enough I would have thought for the hassle they have caused you. :D

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Received a letter form Court whilst I was away.

 

13 May 2008

 

Dear Alphageek

Re: Alphageek -v- Capital One Bank (Europe) Pic Case No: xxx

 

Your request for application in the above case is returned because:

 

 

  • a notice of discontinuance was filed on 1 May 2008
  • any application should be made in the prescribed form with the approriate fee

 

Yours sincerely

 

PERSON

Back Office

Enc

 

Is PERSON right that I cannot ask for wasted costs after filing a notice of discontinuance?

 

Also, "any application should be made in the prescribed form" would have been nice if they had given me a clue as to what form they want.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Hi Alpha,

 

Although I had reservations about the WCO going after discontinuing, others seemed ok with that.

 

Check out what the court now wants done with this.

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I spoke to the Court and was told that as I had filed a discontinuance, then that is the end of the case.

 

I could apply to have the case reopened, paying the correct fee, and ask the Judge to hear my argument for wasted costs.

 

Alternatively, I could raise a new claim for just the wasted costs.

 

I don't think either would succeed.

 

I should have just written to the Court and asked them to vacate the hearing and then sent the Wasted Costs Order.

 

Oh well, you live and learn.

 

I am going to say this thread is ended. Can we change title to WON please?

 

I will work out how much I actually got back from them and make a donation soon.

 

Thanks to all who helped.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Doh! Perhaps I should spend some of my refunded charges in Specsavers*?

 

*Eye-sight correcting products are available from other firms.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Hey Alpha,

 

Re the WCO, I sought clarification about this and Steven said:-

 

"the WCO must be applied for before a notice of discontinuance is issued"

Put this down to experience so you'll know better next time.

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Hey Alpha,

 

Re the WCO, I sought clarification about this and Steven said:-

 

"the WCO must be applied for before a notice of discontinuance is issued"

 

Put this down to experience so you'll know better next time.

Yes, but that was based on Alpha's experience on this thread :rolleyes: (although I think it is true.)

 

Cost arguments are part of the case and the CPR are full of stuff about costs in case management and practice directions. It seems logical that once the case is over, discussions about costs are over too. A notice of discontinuance says "the case is over" and I think that includes cost arguments.

 

I searched through the CPR but I can't find anywhere it actually says that though but it seems to be assumed.

 

One final thing. Of course, there is no guarantee that Alpha would have been awarded them anyway - they are not very common

 

 

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I tried WCO with Lloyds and the judge was'nt having it. Turned down as the charges were paid back with interest, so no WCO in his opinion.

 

Well done Alphageek, put this one behind you now and move on.

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 10 months later...

There is a spreadsheet somewhere on here in which you can put your monthly rate and it shows the APR..

 

If you can't find it, I'll dig it out when I get home for you.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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D1cky,

 

If you look in Steven's Interest Tutorial, there is a link to DuoCalc which should do these int't rate conversions easily.

 

:)

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yes have found it, and dwnloaded it. thx again. can any1 just confirm fo me that on the 13/03/08 my monument statement shows me only a cash intrest at 2.529% per mnth, the calc. shows me that the apr is 34.9%. just to make sure I am using it correctly! ta.

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when I type in 2.529 then press calculate it gives me an apr of 34.9 as stated above but I have just noticed that it changes the 2.529 to 2.52607441419, is there a good reason for this, y does this happen, am I doin something wrong?

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Dicky,

 

Call it 2.52 and stop worrying.

 

If you want to pursue this or anything else, do it on your thread to avoid hijacking and to keep your case togethr in one place.

 

:)

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