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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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lyverbyrd v Nationwide


lyverbyrd
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I sent Mr Bacon a short e-mail saying that after looking at my chedule of charges I am sure my figures are correct!

 

Unless they make up the difference I shall be persuing with my claim.

 

When I contacted the member services dept. 2 hours later, it had been added! :)

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We are satisfied we have paid your claim in its entirety, taking into account any charges which may have been refunded to your account.

 

They have never refunded any charges. Not once. I have my statements as proof.

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I would email Mr. Bacon to remind him that your calculations are correct and inform of the fact that no charges have ever been refunded to your account.

 

Nationwide did that to me too, but I didn't bother to persue it as it was only £20.

:p :p :pCARMEN :p :p :p

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In that case I would check to see if any mods are online and send them a pm. They might know your next step. Sorry I can't help any further.

 

 

Ok just checked for you.....a few mods online, zooman, jonni2bad, blueskies and a couple of others.

:p :p :pCARMEN :p :p :p

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I appreciate that they did that for you. However, it's not the case here. They've paid up part of the claim two weeks after I got my notice that they intended to defend. They then wrote to me stating that they disagreed with my figures, even though I've sent them my schedule of charges, and that they have paid what they worked out to be the correct figure, taking into account any refunds I may have had. Well, I haven't had any, and my figures were taken from my statement.

 

I can't find anything in the FAQ that tells me what I should do next, I'm still £150 short on my claim.

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No they haven't. I sent this letter:

 

I refer to your letter dated 27 September 2006.

Thank you for the part payments refunded to my account so far, but as this figure is considerably different to mine, I will not be advising the court that this matter is settled until I am satisfied that I have got back all the unlawful charges. I will also be expecting the return of any further charges and interest that may have been taken from my account since the start of this claim, plus the daily interest rate. I would also draw your attention to a further charge of £20 plus £3.78 interest that I was charged before I made my claim which wasn’t added in to this, purely because you have stopped my ability to access my account details, so I was unaware the charge had been taken.

I look forward to receiving the full amount still outstanding plus any amounts mentioned above, by 11 October 2006, otherwise I will have no choice but to continue with the claim and file for judgement.

 

Please could you send me a full breakdown of the charges that you have refunded, so that I may check these with my own figures. I attach again the schedule of charges which I have taken from my statements.

 

I also emailed it to them, without the schedule, and Sarah Watson only responded to the email (she sent a letter which referred to it). I've since emailed Charles Bacon again, attaching the above letter and the schedule of charges and I've heard nothing.

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Ok are the 28 days up yet? If so I would pm a mod, they may be able to advise you further. It would be interesting to know how nationwide are coming to their figures though and why such a difference between yours and mine.

:p :p :pCARMEN :p :p :p

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See Bevs thread - same thing is happening to her and to a number of others.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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