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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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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Hi to everyone in the Capital One forum.

 

I am just starting out with my Cap One claim and having been reading a lot about MBNA recently, I was wondering why there were no threads in here about sending a CCA request initially.

 

I take it they can and do provide true copies of the executed agreement so a CCA would be a waste of time?

 

Thanks.

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

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I should add that I am interested in a CCA because I have been getting charged for PPI and I don't remember requesting it.

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

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Sent SAR via recorded delivery this morning to;

 

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

They will be deemed to have received it on 17/05/2007.

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

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Alpha

No-one has replied to your Q, so here you are, this is what I sent (from letter in Templates Section:

Dear X

 

Re: ACCOUNT NUMBER: xxxx xx

With reference to the above account, I would be grateful if you would send me a copy of my credit agreement.

 

Within the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand that a copy of my credit agreement should be supplied within 12 working days.

 

Please note that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you very shortly.

 

Yours sincerely

Me

Enc.

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Hello Paintball. Thanks for that.

 

Do you know if Cap One are being able to send the true copies of the executed agreement?

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

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Just read the post by BankFodder, New advice from the Information Commissioner, accordingly I have amended my CCA letter slightly. Added bit in red at the bottom.

 

Keep your receipts and counterfoil for the recorded delivery and use the Royal Mail site's tracking facility to get your proof of delivery (POD), print it out and staple them all together.

 

That will give them considerably less wriggle room :(

 

My House

My Town

Postcode

 

 

Date

Naughty Bank

c/o Wormwood Scubs

London

Postcode

 

 

 

 

Dear Sir/Madam

 

Re: − Account Number 0000 0000 0000 0000

With reference to the above agreement, I would be grateful if you would send me a true copy of the executed credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of this credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This £1.00 is to be used purely for the purpose of sending a copy of the agreement, and under no circumstances should it be used for any other purpose (e.g. credited to my account).

 

I understand a copy of this credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

I look forward to hearing from you.

 

 

Yours faithfully,

 

 

 

Alphageek

 

 

 

 

Enc: Postal Order serial number 000000

Via Royal Mail Recorded 1st Class – DL xxxx xxxx xxGB

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

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Good stuff.

 

In the light of a number of people in the Cap One forum who have requested theie CCAs and not received them (I received more garbled copies of my statements and a return of my £1 cheque which wasn't actually there), if the same happens to you, you may need to write in again with an LBA as it could be construed as non-compliance ...

 

Thoughts?

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Well, the clock is ticking Paintball. So I guess it's just wait and see.

 

Did you CCA them and what was the outcome?

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

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Well, the clock is ticking Paintball. So I guess it's just wait and see.

 

Did you CCA them and what was the outcome?

 

Yes indeed tick, tock ...

 

I received from Cap One a letter saying 'here's your CCA and have your cheque back cos we don't charge for this'.

 

But ... no CCA just weird copy statemtns and NO cheque. Cheeky sods, if anyone from Cap One is reading this, you'll get your come-uppance:evil:

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I have just been playing around with some of the spreadsheets and the APR calculator.

 

Cap One are currently charging me 34.93% APR on Purchases and the same on Cash Withdrawals. No wonder they print the monthly figure of 2.53% on the statements.

 

I don't consider myself to be a particularly stupid person, so how have I ended up using a credit card with such a high APR? Oh, I remember now - the banks have taken so much of my money over the previous years and I got in to a spiral of borrowing more to pay them and using CCards in place of being able to use my income! :-x

 

Capital One: What's in your wallet?

 

Lots of my money that's what! But when this is finalised, your card won't be in my wallet any longer!

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

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Hi, I have received a reply from CapOne. I will post it later.

 

I have tried to read through the .pdf version of the CCA (http://www.passprotect.studio400 .me.uk/Consumer_Credit_Act_1974. PDF) this afternoon and see lots of references to prescribed term and layouts etc. but cannot see a list of what these prescribed items are.

 

Can someone point me in the direction of a list so I can check what they have sent has all the things it needs to make it a proper agreement.

 

Thanks.

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

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Here is the letter I received from them.

 

Capital One Bank (Europe) plc, PO Box 5283, Nottingham, NG2 3YG.

 

Alphageek

Address

 

22 May 2007

 

TEL: 0800 9525150

REF: xxxxxxxxxxxx

 

Dear Alphageek

 

Account No. 0000 0000 0000 0000

 

Thank you for taking the time to write to us about your account.

 

I understand you'd like a copy of your credit agreement so I've included a copy with this letter. I've also arranged to send you the terms and conditions for your account. These will arrive separately within the next two weeks.

 

You've asked that we don't use the postal order you've included in your letter for any other purpose. As we don't charge for supplying this information, I'm returning this to you and won't add it to your account.

However, your account is currently one month behind in payment and over the agreed credit limit so it is important you make a payment as soon as possible to avoid further charges.

 

I hope I've explained things clearly and you'll accept my best wishes for the future.

 

Yours sincerely

 

Person

 

Executive Office Manager

I am going to scan and upload what they sent me as the agreement. It's too low quality to OCR.

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

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Here is the 1st page

 

Note: I did not obliterate the bit where they signed it. Looks like it was done with a marker pen!

 

Here is the 2nd page

 

I also got my postal order back and a copy of a leaflet entitled "Please tell us when we make a mistake..." "...because nobody's perfect"

 

I am not sure if this agreement has all of the prescribed terms on it or not.

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

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I got this today in the mail from them;

 

My Address

 

25 May 2007

 

Dear Alphageek,

 

Account Number: 0000 0000 0000 0000

 

Thank you for your recent enquiry. I have enclosed details of the Terms and Conditions for your credit card account. Please keep these details for future reference.

 

If you have any further queries about your account, please call our Customer Services Team on 0800 952 51 50.

 

Yours sincerely

 

 

Signature

 

 

Person

Customer Accounts Manager

Two big pages of terms and conditions;

 

Page 1

 

Page 2

 

I also received a reply to my SAR with a load of computer abbreviations and their meanings, lots of screen dumps from their system showing my account details containing loads of the codes referred to earlier and my statements from date of opening to date.

 

There are two things I notice.

 

1: The T&Cs state charges of £12. My early statements show the old level of charges of £20

 

2: There is PPI on my statements and the information they have sent re my CCA request has no mention of PPI or me asking for it.

 

I am going to fill a spreadsheet in soon to work out the amount of charges etc. they have levied to my account.

 

Any advice on what my next move should be?

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

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I have been using CompoundSheet_v1.9.xls from this site and have 1 question and 1 problem :D

 

Question: I cannot see anywhere where I agreed to PPI so I am going to claim this back. Do I just enter it on to the spreadsheet along the LATE FEEs and the like?

 

Problem: On the Charges & Interest tab, on the right where you enter Interest Date, Interest Charged, Account Balance at Interest Date and Interest Free Overdraft (I have entered 0.00 in this column), the Interest Paid on Penalties column is not populating with any values.

 

This is causing the s69 8% Interest tab and the C.Interest (Daily) tabs to have 0.00 in the columns where the interest on the interest I have paid on penalty charges should be calculated.

 

HELP! What am I doing wrong?

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

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The google one's are 13 or 16 i believe. It looks like your using the really complicated one where you have to put your monthly balances in as well.

Just a straight forward, reason, amount, date, days passed and interest spreadsheet is what you need.

 

Uk

WARNING TO ALL

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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Thanks UKA - I think i'll have a go with No 16 form Vampiress's page.

 

I think I started with this one before and tried to export it to Excel. When office 2007 opens it, it shows a message about some data being lost?!?

 

Not very helpful at all really.

 

I'll fill in the online version and see how far I get. If it goes ok, I'll get my prelim posted soon.

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

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I have completed the spreadsheet and have included PPI as line items as and when they were debited against my account.

 

I opened this card account in May 2005 and in just over two years (if I have done the s/sheet right) they have levied £440.55 in unlawful charges. Add on 34.93% CCI and the total comes to £634.45 :o

 

No wonder they all think they're above the law. At that rate of profiteering they probably think it's worth the odd brush with the law and regulators.

 

So, I just need to know if I have done the right thing in including the PPI lines before I send off my prelim.

 

I'd also be grateful if someone could take look at the stuff they sent for the CCA reply. For a start, the place where they have signed has no date next to it. I am still trying to gather info on what should be on agreements to make them enforcible. I think I will be reading until Christmas looking at some of the CCA threads!

 

If it's not enforcible, I think I will claim back the unlawful charges and tell em to pray for the balance I owe.

 

Help :D

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

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