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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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Natwest CCA Response


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Not gone to court yet anita as most companys are now rolling over.

 

l am tho willing to take them to court if l need to.

 

I have found that my locl TS are useless but that does not mean every TS are useless. The OFT just log the complaint and may/will contact you at a later date if they are going to prosecute or use any statement that you have given as evidence in court. You may aslo need to go to court and give further evidence.

 

I would report them as your TS my not stick there head in the sand and my give the a swift kick in the butt about the law.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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OK another question :)

 

On the copy of the T&C's Natwest have sent, it states at the very top.....

 

This is a copy of your Agreement for you to keep.

It includes a notice about your cancellation rights, which you should read.

 

NATWEST CREDIT CARD TERMS AND CONDITIONS.

 

Now surely this is a way for them to try and relate the T&C's to the copy of the "new" Credit Agreement that they sent me. I know its a new one because it contains the Key Information which wasn't around in 2000 when I applied for it.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

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did you sign this agreement?

 

what key info is different in these T&Cs compaired with 2000?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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In the PDF in my first post on this thread is everything I got from them. All they sent me additional was a copy of the t&c's which weren't included in the reply to my CCA. I have attached t&c's on this post.

 

Can you have a look at all the docs and see what the score is with these additional t&c's?

 

It just appears to me that they have made up the credit agreement because thier application form doesn't comply.

Natwest T&C.pdf

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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I cant read them very well due to them being on the side but i cant really comment if not

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Sorry, I can't turn them round. I don't have a full version of Adobe!

 

If you use Acrobat Reader use CTRL+Shift+Plus to turn them round. Or use View, Rotate View and Clockwise.

Natwest T&C.pdf

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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i cant really comment on the t+cs a\s i have not seen mints ones b4. if they are not from when u opened the accont then they are not right ons anyway

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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i cant really comment on the t+cs a\s i have not seen mints ones b4. if they are not from when u opened the accont then they are not right ons anyway

 

They are Natwest but no worries.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Can anyone tell me if these (in post number 56 above) are recent NatWest credit card t&c's? I can't be sure but theres things on it that suggest to me that they are and not the ones from the account opening in 2000.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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sorry l meant natwest but wrote mint 4 a strange reason.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi again Godmother

 

How have you got creditors to admit that they don't have the documents etc? Just waited or have you had to keep writing to them?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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  • 2 months later...

Just a quick update..... After disputing this and stopping paying OSCC it seems that it has now been passed to Westcot. Natwest didn't send Wescot my new address so the letters went to my old address and they called my parents house and asked for me to call them. Gave them a call with the low down on the position and had a go at them for calling my parents etc. Going to write to them also.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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  • 6 months later...

Another update and I need some help on this too.......

 

I sent Wescot the bundle of documents sent to me by NatWest with a letter and they sent the account back to NatWest saying they weren't going to collect on it. I heard nothing from NatWest for months, then all of a sudden they passed the account to Moorcroft. I complained to NatWest about it and got another terse letter from Miss H. Bennett, essentially saying that as I didn't take up the FOS now my only choice is to take them to court.

 

Moorcroft are becoming a pain, they sent me a Notice of Intended Litigation listing court costs, which I got today and they only give me until the 22nd to respond, a mear 3 days. A little unrealistic me thinks.......

 

Anyway I called them just for a giggle and also just so as to say I had made an effort to respond before the 22nd. They say that NatWest are confident that what they have sent is the response required under the CCA and that they (NatWest) are unwilling to converse with me any longer (charming)!

 

I'm thinking of sending a CCA to Moorcroft, but I get a feeling that they will just ignore me as NatWest are saying they have already sent it.

 

What do you guys think I should do next?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Another update and I need some help on this too.......

 

I sent Wescot the bundle of documents sent to me by NatWest with a letter and they sent the account back to NatWest saying they weren't going to collect on it. I heard nothing from NatWest for months, then all of a sudden they passed the account to Moorcroft. I complained to NatWest about it and got another terse letter from Miss H. Bennett, essentially saying that as I didn't take up the FOS now my only choice is to take them to court.

 

Moorcroft are becoming a pain, they sent me a Notice of Intended Litigation listing court costs, which I got today and they only give me until the 22nd to respond, a mear 3 days. A little unrealistic me thinks.......

 

Anyway I called them just for a giggle and also just so as to say I had made an effort to respond before the 22nd. They say that NatWest are confident that what they have sent is the response required under the CCA and that they (NatWest) are unwilling to converse with me any longer (charming)!

 

I'm thinking of sending a CCA to Moorcroft, but I get a feeling that they will just ignore me as NatWest are saying they have already sent it.

 

What do you guys think I should do next?

 

I had problems with Natwest also, for a visa card. In response to my CCA request they sent an application form to open a bank account, which asked if I would like a credit card, and the box for this was ticked. That was basically it, together with their current t&cs. I had problems with them for months and they were getting various DCA's to contact me with the usual threats. I just kep writing in response, repeating the same old thing, that the 'agreement' was not enforceable and they had not complied with my request. Eventually, they went away. I have not heard from NWest for some time now and they no longer appear to be pursuing the debt. Just stick to your guns and you should be fine. Moorcroft, by the way, from my experience are usually very good at making threats, but if you write to them pointing out why the debt is unenforceable, they usually back down and refer back to the OC. Magda

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Hi Magda. Thanks for the advice. I haven't had dealings with Moorcroft until now. I wasn't sure if the letter was a threat or not. Anyway I just CCA'd Moorcroft as well as they won't listen that its unenforcable. The monkey I spoke to at Moorcroft told me that NatWest say that they have complied with my CCA and NatWest are unwilling to discuss the matter further.

 

It just seems I'm going round in circles with Natwest. I want to complain to the various bodies (I'm not even sure who to complain to) about them passing debt thats disputed but unsure how to do it, can anyone help me with that?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Hi Magda. Thanks for the advice. I haven't had dealings with Moorcroft until now. I wasn't sure if the letter was a threat or not. Anyway I just CCA'd Moorcroft as well as they won't listen that its unenforcable. The monkey I spoke to at Moorcroft told me that NatWest say that they have complied with my CCA and NatWest are unwilling to discuss the matter further.

 

It just seems I'm going round in circles with Natwest. I want to complain to the various bodies (I'm not even sure who to complain to) about them passing debt thats disputed but unsure how to do it, can anyone help me with that?

 

Hi Scrappy, Moorcroft will say that Nwest has complied with your CCA request, whether they have or not. It is never a good idea to discuss the account on the phone as you won't achieve anything. It's best to put your reasons in writing as to why the agreement is unenforceable and Moorcroft will then refer it to the OC. They might possibly come back to you again then, but if they do, just reiterate what you have already said. You can complain to the FOS - contact details on their website, but most people agree that complaining to these people, including Trading Standards, is a waste of time. Good luck, Magda

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  • 4 weeks later...

If possible I need a little more advice.... or more a point in the direction of where I've seen it.

 

OK I CCA'd Moorcroft seeing as NatWest haven't been able to produce an agreement that complies. I honestly thought that would be the end of it.

 

Now Moorcroft have sent the postal order back and said they cannot supply it and to get it touch with NatWest.

 

Moorcroft know I have done this already as I wrote to them and told them this and that it doesn't comply etc.

 

Now I'm getting the old thretograms again.

 

I'm sure I've read somewhere that they have to comply with a request regardless.........

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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  • 5 weeks later...
If possible I need a little more advice.... or more a point in the direction of where I've seen it.

 

OK I CCA'd Moorcroft seeing as NatWest haven't been able to produce an agreement that complies. I honestly thought that would be the end of it.

 

Now Moorcroft have sent the postal order back and said they cannot supply it and to get it touch with NatWest.

 

Moorcroft know I have done this already as I wrote to them and told them this and that it doesn't comply etc.

 

Now I'm getting the old thretograms again.

 

I'm sure I've read somewhere that they have to comply with a request regardless.........

 

BUMP. Can anyone assist me on this?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Hi Scrappy, this is something else that Moorcroft do, i.e, return the £1 cheque as they can't produce an agreement, they did this on several of my accounts. If they haven't managed to produce a valid agreement, you can either ignore them now, which some people think is the best course of action, or you could write again, reiterating that they have not complied with your CCA request, and until such time that they do, the account remains in dispute and you are not obliged to make any further payment. In my own case, I kept firing off the letters and Natwest did eventually go away. Moorcroft are very good at issuing the threats, but I have yet to see them take it any futher when you have a valid dispute on the account. Hope this helps a bit. Magda

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Hi Magda

 

Yes, they returned my postal order. I thought there was a new rule that said they had to deal with a CCA request even if they weren't a creditor, under the Consumer Protection from Unfair Regulations, brought in in May 2008. But I can't find a reference to it.

 

Anyway I wrote back to them again yesterday. Stating the position again and that I will no longer converse with them as they are well aware of the position. This is the 5th letter to them!

 

Thanks

Scrappy

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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