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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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John B vs Halifax


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Hi everyone,

 

Im about to start on the road, to hopefully get my cash back off these swines!

 

I put in for my statements going back 5 years (since i opened the account) towards the end of may. It was confirmed that the money (£5) was taken out of my account on the 6th of june. 20 days later i called up to see where they were...they had apparently sent them but they never turned up...several envelopes-worth, over several years, and not one arrived?

 

I complained and they said they would re-order them, taking a maximum of 10 days from the 26th. I have just called, and after a very long silence, 'mike' said 'there was a queue', and the statements will be sent a maximum of 10 days from the 29th!!

 

So has the stalling taken place already? Naively i have been transparent in my need for the statements, so they know exactly what they will be used for...

 

Anyway, here we go, the first tentative steps...:)

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Hi John,

 

Just remember they have 40 days to comply with a Data Subject Request so dont let them dictate the timescale..certainly that is also the advise on this site...

 

As long as within 40 days they are not committing any offence under the DPA.

 

Good Luck

 

xx

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now they have said that the information needs reordering again!

 

i demanded a proper explaination, and they told me that, due to my having over 900 transactions on the account, the system doesnt/cannot send the information out. The person i subsequently spoke to towards the end of june didnt know this, couldnt see any error, and ordered the statements in the same way.

 

hence the same problem.

 

they have now exceeded the 40 day limit from my first request...although i didnt put it in writing, doh!

 

after speaking to karen @ the glasgow business centre i will now get a phonecall on monday confirming the 'account report' they will send me, along with the statements. This account report contains lots more detail, so they say...but i aint saying anything till they call and confirm.

 

so anyone else facing excessive delays in getting your statements? call the business centre, as it may be the number of transactions on the account holding you back!

 

then again, it may be a load of flannel, and the halifax are simply stalling. who knows...

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I think the moral of the story here is to make sure everything is in writing!

 

It might seem like a shortcut, and for some it is... but then there's ones like this who have to wait months.

 

Cosyne, I'm not trying to single you out as your not the first and you certainly won't be the last. I just hope your experience will show others that the FAQ's and template library are there for a reason.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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absolutely, totally agree with you.

 

i actually heard of the recent ruling by the oft elsewhere, and applied for my statements back in mid/late may...BEFORE coming to this site.

 

Cheers

 

John B

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right then!

 

got Dawn to print my statements off at last! arrived today, so here we go, only 300 quid but thats a fair bit for me:)

 

lets 'ave it!

 

*trundles off to the FAQS with a beer on the go*

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I'm no expert, but I would send the prelim by special delivery. Then there's no chance of them saying it hasn't been received. It costs £4.10 to send it, but at least you get peace of mind.

With an email, it could just get ignored/deleted and you won't be able to prove receipt.

 

Laura

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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  • 2 months later...

hi everyone!

 

sorry its been so long. they offered me 183 quid out of 300, and i was skint, so took it!

 

the thing is, i signed a form for 'full and final settlement'.

 

i had a direct debit due out on 14th, and a cheque clearing on the 14th, and a halifax employee told me i was covered.

 

the debit was applied for on the 13th instead, costing me 39 quid. but they say as i settled previously i cannot claim this back. is this true?

 

thank you for any advice.

 

donation is on its way too;)

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