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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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      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.

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HDR - v - HSBC


Dougal16T
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Good morning all...:)

I started my claim in November 2006, called into my local branch and requested statements...after 7 further visits (each time I was told 'they're (a) on their way, (b) being dealt with...etc) finally got statements in late March 2007! :evil: (Had to sit in bank and say 'not going till you give me...)!However sent 1st letter 4/4/2007, reply by HSBC 15/4/2007 'looking into this...8 weeks etc...' I IMMEDIATELY (16/4/2007) sent second letter, (both included copy schedule of charges, £3700 total) letter included an offer to settle @ £3000.00.(Within 14 days of letter date) Even went into local branch on last day and they faxed Head Office, but no reaction by HSBC! Filed MCOL on 1/5/2007, proceedings acknowledged by HSBC sols on 3/5/2007 (note Court say 'deemed served on 6/5/2007') nothing heard as of today. 28 days from date of service expires 3/6/2007 (Sunday). Trial bundle (3 copies - including T&C from 2003) prepared and ready for service on HSBC and Court. Possible Judgement by Default...watch this space!!

 

Unbelievable the poor approach by HSBC....their staff often said 'we can't cope'...need I say more.

Best wishes to you all...apologies for long post!

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Hi and good luck. You seem to have it all sorted. Don't forget you don't have to get your court bundle in until 14 days before your court date. It will cost you a fortune so don't send the bundles until you have to. You should getan offer before then.

Start sending nudge letters to dg together with a copy of your breakdown of charges. Also send 2 copys of your schedule to your local court and ask them to be included with your claim.

Dg will put in a defence at the last minute and even if they miss the deadline the courts seem to give them more time. Once they defend your case will be transfered to your local court.

There are loads of brilliant threads on this site that will tell you in more detail what should happen next. Just shout if you need help and you will get help.

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Thanks for the info...all help VERY gratefully received.:)

 

It seems they have till the end of today (It's Friday)....If they do put in a defence at the last minute, :evil: I shall have the option of asking for it to be struck out as an 'abuse of process'.

I will however be applying immediately Monday morning at 9.30 (when the Court opens) for ('Judgement by default') if they don't.:lol:

 

LET'S KEEP 'DOING IT TO THEM - THEY'VE ALREADY DONE IT TO US!!!

 

BEST WISHES TO EVERYONE.:)

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Further info...unable to access MCOL up until about 10 mins ago :mad: (10.30 a.m. 1/6/2007) and guess what? Defence filed! :mad: Late or what?

We'll see what happens next.....

 

GOOD LUCK TO EVERYONE....KEEP GOING.....YOU KNOW IT MAKES SENSE!!

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 4 weeks later...

Just an update....transferred to Eastbourne :) County Court, no AQ :-D and hearing date 20/8/2007...watch this space, as Trial Bundle being sent next week! 8)

Keep going.... don't let ANYTHING stop you....you know it makes sense!

BEST WISHES TO ALL OF YOU..........

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

TRIAL BUNDLE SENT TO DG - UPDATE FOR ALL.....On Tuesday 3rd July 2007, I sent my trial bundle prepared with the wonderful assistance of everyone here (many thanks :) ) to DG Solicitors by Special Delivery at the Post Office. It cost £7.50 but guaranteed delivery by 9 a.m. Wednesday 4th July!!! (A good day in the USA! - might be the same at DG!!)

 

Also at the same time went to Eastbourne County Court and filed my copy trial bundle for the Judge and paid the Allocation fee of £100.00, even though the AQ had been dispensed with. NOW WAITING.......?

 

BEST WISHES TO EVERYONE HERE - AND ESPECIALLY NOW TO YORKSHIRE CUSTOMERS..:( ...REMEMBER IT'S YOUR MONEY SO KEEP KNOCKING ON THEIR DOOR!...and 'Let's be careful out there!' :D

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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UPDATE - FURTHER TO LAST POST : NOTHING HEARD FROM DG AFTER 7 DAYS. ORDER FROM JUDGE WAS TO EXCHANGE TRIAL BUNDLES 'NO LESS THAN 21 DAYS BEFORE TRIAL DATE' (20/8/2007)...DG'S LAST DATE TO FILE IS 30/7/2007!

 

I'LL KEEP YOU ALL POSTED - I'M CLAIMING JUST UNDER £4,000, AND HAVE JUST ISSUED CLAIM NUMBER 2 AGAINST HSBC! (ON NO 2 A/C)

 

BEST WISHES TO ALL AND REMEMBER IT'S YOUR MONEY YOUR AFTER!!;)

______________________________________________________

TO DATE:

 

AMEX CLAIMED : £277.91, THEY PAID £143.01 AS 'GOODWILL GESTURE', SO I FILED MCOL THEN AMEX ACKNOWLEDGED SERVICE AND OFFERED BALANCE OF CLAIM INCLUDING INTEREST AND COSTS OF £30.00. THEY SENT TWO COPIES OF A 'NOTICE OF DISCONTINUANCE' (FORM WHICH BASICALLY SAYS YOU ARE CEASING THE ACTION AGAINST THE DEFENDANT) WHICH THEY WANTED ME TO FILE BEFORE THEY PAID OUT. MY RESPONSE WAS PAY OUT FIRST THEN I'LL FILE! AS AT 11/7/2007 STILL WAITING....BEWARE OF THIS FORM - DO NOT COMPLETE IT UNTIL YOU HAVE BANKED THE CHEQUE AND IT HAS BEEN PAID!!!:cool:

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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sounds to me like u got it all sorted out - keep going buddy :)

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Thanks Rayne....all support is much appreciated - this has been a very difficult time for me -personal problems (DIVORCE! :) ) and the sudden accidental death of a much loved West Highland Terrier :Cry: has made the past months very stressful - BUT I take great comfort in knowing that we are all together in this struggle, so to everyone out there a great big :

 

THANK YOU FOR ALL YOUR HELP, I COULDN'T HAVE GOT THIS FAR WITHOUT YOU - WE MUST KEEP GOING (AND REMEMBER LET'S BE CAREFUL OUT THERE!) :smile:

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Good to see you're full of fighting spirit Dougal! I'm subscribing to this thread so I can watch your case unfold. I'm particularly interested in the n244 action you propose to take! Consider my breath baited.....

 

a happy thought thinking

 

r-t-v

25/01/07 Statements collected online

27/01/07 Prelim sent

09/02/07 Thank you letter received (and duly ignored)

12/02/07 LBA on its way

27/02/07 MCOL filed

26/03/07 Defence entered

02/04/07 Notice of transfer paperwork received

10/04/07 Lattie's hastner sent

19/04/07 AQ arrived (never mind lattie!)

20/04/07 Last Chance letter sent to DG, AQ filled out.

08/05/07 AQ returned to courts, cc'd to DG

11/06/07 Request for the defence to be struck out sent after not hearing from the court for 5 long weeks.

14/06/07 Directions hearing set for the end of August. 10 long weeks away.

14/06/07 rob-the-viking waits yet longer......

23/08/07 DG apply for a stay, instantly granted by judge.

29/08/07 The waiting begins again, 7 months since prelim was sent.

 

"If you kick a Tiger in the ass, you'd better have a plan to deal with it's teeth!!"

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  • 1 month later...

REMOVAL OF STAY : FURTHER UPDATE - BOTH CASES WERE STAYED BY THE DISTRICT JUDGE - I HAVE APPLICATION IN FOR STAY TO BE REMOVED ON BOTH - BEING HEARD AT EASTBOURNE COUNTY COURT ON MONDAY 20TH AUGUST 2007 AT 10.00 A.M. 30 MINUTES ALLOWED!! WATCH THIS SPACE....!!!:cool: GOOD LUCK TO EVERYONE..KEEP GOING - YOU KNOW IT MAKES SENSE! THIS IS MY ORIGINAL DATE FOR THE HEARING THAT THE JUDGE STAYED!!

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Thanks Duchess,

I couldn't have done it without you (all of you..the help and advice on this site is invaluable!):)

Remember - 'Let's be careful out there!'

Best wishes to everyone.:cool:

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Thanks Jowalshy,

I couldn't have done it without you (all of you..the help and advice on this site is invaluable!):-)

 

Remember - 'Let's be careful out there!'

Best wishes to everyone.:cool:

I wonder if HSBC will turn up.....????:rolleyes:

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Hi there ! I only just found your posts, but I too am at Eastbourne County court on 20th V Barclays.....They havent entered a request for a stay so the court says it will go ahead. I have however, sent in a letter opposing any application from them, but my guess is they will turn up and apply there and then! Fingers crossed for us both!

 

MSS

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Just a thought for all appearing in court, If the banks solicitors show up and start producing things you have never seen before, like Paul Daniels on a good day ask the judge to adjourn the case for a week to allow you to consider the new material and come back here and post what they are doing/asking for.

 

If your case does get stayed ask the judge to make it a condition of the stay that all further charges to your account are also suspended until the lawfulness of those charges is established by the OFT test case.

 

pete

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Thanks to Jailbird and Castlebest and everyone else out there - what a great team you are, I hope I'll be considered good enough at least as a reserve!!!:)

Best wishes to everyone as ever...

'illegitimus non tatum carborundum'.:cool:

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Thanks freakyleaky - and all of you. I have just (10) minutes ago been in front of Deputy District Judge Parkes, she listenend to my pleadings which were taken from this site - Thanks for that - about a stay contradicting my human rights and was about to allow the stay to remain....HSBC sent a Barrister (£500.00 an hour???!!!), BUT this lady barrister was not instructed by DG, she was instructed by another firm of Solicitors!! This barrister tried to argue that mine was the only case which was asking for a stay to be lifted and that in every other case a stay was being kept. I said this was not the case, and quoted details from this site. I then told the Judge EXACTLYwhat had happened since the beginning of this claim - took 7 visits and over six months to get my statements - no response from HSBC to LBA, sent 4 letters to DG over 2 months - no response to those, not even acknowledgement! Told how I filed my Trial Bundle on 3/7/07 and DG had until 30/7/07, but had not filed. Also said nothing heard from DG at all as at today's date. Barrister embarrassed and said 'would seek instructions' offered to speak to her clients for me - I declined. Barrister said "DG did not file bundle because of the OFT ruling", I replied " That ruling went public on 27/08/07, which was a Friday, the last date for DG to file was that day because their time limit expired on 30/8/2007 the following Monday, therefore it was clear they were abusing the system and had no intention of defending", Judge was not pleased and proceeded to tell Barrister to speak to her clients in this regard. I also added that I am being taken to Court for repossession of my property by GE Money on 13th September 2007, following a long and acrimonious divorce, I receive Incapacity benefit, Industrial injuries benefit and am registered disabled. I told the Judge if HSBC had paid when I first requested them to do so, I would have been up to date on my mortgage. I showed the Judge written proof of all of this. Judge then said " I am going to the lift the stay in view of the hardship that has been caused by the defendants lack of action.I am setting the matter down for Final Hearing on 6th September 2007 time estimate one and a half hours". I thanked the Judge...Barrister not happy bunny.!....then left for some fresh air.

There is Justice after all - let's not be beaten by these bullies. It is our right to fair and proper treatment from everyone, provided we return that to those we encounter.

SINCERE THANKS TO ALL ON THIS SITE - GREETINGS TO THOSE WHO WERE THERE - AND REMEMBER 'IT'S OUR MONEY WE'RE AFTER!!

KIND REGARDS TO EVERYONE.:)

 

Watch this space..........:cool:

Can someone bump this up to one of the Mods please...I don't know how to.....

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Nice work, you did very well, I have only seen a stay effectively removed a couple of times.

 

Was this hearing in Eastbourne?

 

I presume they will settle prior the 6 Sept now.

If I have been helpful please click on my star and add a comment.

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