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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
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    • 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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mackerel vs barclays


mackerel
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Hello all

 

I was really into getting my charges back from barclays about a year ago, but wigged out :mad: . Now they have terminated my account :mad::mad: and i was wondering if i can still proceed with getting my charges back? I have my statements already and have written out the letters, but was reading that i cannot being until after a hearing is over into bank charge practice - is that correct?

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Hi Mackerel,

 

Have they already closed your a/c, or threatened to do it. You should avoid this if it's not already too late.

 

Have you set up a new (parachute) account so you can carry on banking.

 

The OFT test case has not yet been concluded but, as Bigmac says, you should start the reclaim process now.

 

If you lodge a claim at court, your case will be Stayed (put on hold) along with 1,000's of others, but your claim will then be ready to roll when the Test Case is determined.

We could do with some help from you

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Thank you both for your replies. The FAQ's are a great resource. I believe i skimmed over them but gave them a proper read this evening :)

 

I already have another account, but am thinking on opening another, just to be on the safe side :cool:

 

My account has been terminated since a couple of months ago. My overdraft limit was 2500, but due to me not putting any money it and direct debit charges, it has spiralled to nearly 3500 overdrawn. In the account termination letter they said they will be adding further interest at £1.30 per day until it is brought back to the limit. Is this "terminated" interest included in the calculations in the instructions provided in the faq's, or should i add this myself?

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Hi Mackerel,

 

Just concentrate on putting your SOC together and sending off the Prelim ltr to the bank.

 

If the a/c o/d is made up purely of penalty chgs, you can reclaim the int't they're chging you as well, on the penalty chgs.

 

See how the penalty chgs compare with the o/d - ie how much of the o/d is penalty chgs. The interest may be relatively insignificant but this is not my strong point and we may need help with this. However, this need not delay your Prelim and LBA letters.

 

As long as you have a new a/c set up, that should suffice - not sure you need another really.;)

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  • 2 months later...

ok, feel a bit stressed with this one.

 

Got a letter the other day from 1st Credit threatening legal proceedings on behalf of barclays. The letter says it's a final warning. There may have been previous but i must have binned them. :eek::evil:

 

So i need to do things pretty quick - if i send off my initial request for repayment, can i contact 1st Credit and tell them to halt any action against me as i am currently in legal negotiations with barclays to reclaim the monies in question?

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Hi Mackerel,

 

Stop stressing and we'll get this sorted for you.

 

I need to get this merged with your old thread so it makes some sense. Please use your exising thread to keep your case together and easy to access.

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In the meantime, please confirm exactly what stage you're at in reclaiming your chgs from the bank. (reply here just now).

We could do with some help from you

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Yes, sorry i can see it doesn't make much sense. I posted in a bit of a panic. I explained in an earlier thread how the account had been terminated. If you could merge the threads, that would be great.

 

Right now, i'm just totalling up the charges, then i'll send them an initial request for repayment first thing in the morning. I'll post back with the amount due.

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Threads will be merged v soon.

 

Prepare your SOC and send a Prelim Letter following the guide in Link No1 in my signature below.

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ok, just finished totalling up the charges. I'm due £1275 in charges and a further £1775 in interest, totalling £3050.

 

However i'm unsure of the interest to be charged. It says on the statement the interest under my overdraft is 1.22% (do i multiply this by 30 to get the monthly interest?), but when my balance is over my overdraft limit it nearly doubles to 2%. Since the last 6 months my balance has been over my overdraft limit, should i figure a way of including this interest in the repayments, or let it go?

 

Another factor that might be important - when i was told my account would be terminated, i was told i would be charged interest at £1.36 per day. In fact the last 6 statements or so before the account was terminated my overdraft interest was at around £42 per month. Is this relevant to the initial request for repayment?

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Hi Mack,

 

If you are going to reclaim CI, you should read this - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html

 

The fig you quote of 1.22% sounds wrong to me. I don't think it's a daily figure, nor is it a monthly figure. Is is poss the amount they'll charge you over the BoEngland base rate.

 

Read the link above and see if that helps.

 

One thing's for sure - you don't want to rush in getting the claim or interest wrong. Claiming CI isn't straightforward (for me anyway!) but it should be possible because, recently at least, the charges have led to you being charged interest at the bank's Contractual Rate on their charges.

 

If you're still stuck, I'll try and get help from someone more knowledgeable on CI.

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Any help on understanding it would be great.

 

I just can't see on my statements any interest %ages apart from the two i mentioned in my previous post. Here they are verbatim:

 

The current monthly interest rate on your overdraft up to £2,000: 1.22%

Over £2,000: 2.05%

Then under Accounr Details:

Credit Interest rate: 0.10%

Is that it- the credit interest rate?

:confused:

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So the 1.22% and 2.05% ARE the monthly rates.

 

There's a spready here which enables you to calc CI on each charge - Compound interest calculator

 

In the top right hand box you can say how many "rests" there are - in your case this will be 12. This only works out the charges on individual basis.

 

Unfortunately, Steven (the Mod'r who wrote the Interest Tutorial) is away just now but I'll see if someone else can look in and advise you better.

We could do with some help from you

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Update - I found an interest converter which gave me APR equivalents for the the monthly rates you gave as follows:-

 

1.22% monthly = 15.7% APR

 

2.05% monthly = 27.6% APR

 

That should work on the spready - let us know how that goes.

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Recieved another letter this morning, this time from LCS Solicitors on behalf of 1st Credit. They say i need to pay in full to 1st credit within 14 days or they'll issue proceedings in the county court. :shock:

 

I changed the spreadsheet (the same one i'm using in the barclaycard claim, the contract-interest spreadsheet (interestcalc.xls)). If i claim at 27.6% then i am owed just under £1600 in contractual interest. If i claim at 15.7% this basically halves to around £720.

 

I suppose it would be "easier" to simply claim at 15.7 for the whole duration of the account. I would like to claim fully though; like i said a lot of the time my account was over my overdraft limit therefore would be within the 27.6% bracket. Especially the last 6 months, there was nothing going in or out of the account but i was being charged £40 a month in interest! There is also a pressing time issue to be taken into consideration, so maybe i should just settle for the 15.7. :( Really unsure.:(

 

@slick: thanks for that link, i'm not really sure how to use it though. Do i put a single (£30) charge into the top left box, the rate of interest (15.7 if the charge occurred whilst under my overdraft limit, 27.6 if the charge occurred whilst over my overdraft limit), the two dates being the start and end date of the month (as shown on my statements) that the charge occurred in (what if i get 3 charges in one month, should i simply put in the top left box £90?), and the what about the checkbox? Also i thought i read somewhere that you can't claim contractual interest as well as compound interest, or am i getting my wires crossed?

Edited by mackerel
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Hi Mack,

 

I'll ask Steven or another from the Site Team to stop by and advise if they're around. The following is my opinion.

 

To work out the Contractual Int't as accurately as poss, you'd have to vary the rate from lower to higher to reflect the actual rate the bank applied. This would involve many calculations.

 

A compromise would be to conservatively estimate the average applied over the period. Remember, you just have to show you are being reasonable to recoup what you have lost, as opposed to being greedy by overestimating.

 

One more thing. Have you checked the int't you'd get back if you just claimed the simple 8% Statutory int't you'd get when you file at court. If the difference isn't TOO great, this may be an acceptable alternative and would enable you to get your reclaim underway.

We could do with some help from you

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A compromise would be to conservatively estimate the average applied over the period. Remember, you just have to show you are being reasonable to recoup what you have lost, as opposed to being greedy by overestimating.

 

So maybe a sum involving the number of charges that occur under the overdraft limit (@15%) added to the number of charges that occur over the overdraft limit (@26%) divided by the total number of charges, giving me an average "charge" interest rate?

 

One more thing. Have you checked the int't you'd get back if you just claimed the simple 8% Statutory int't you'd get when you file at court. If the difference isn't TOO great, this may be an acceptable alternative and would enable you to get your reclaim underway.

So i cannot claim contractual interest as well as the 8% s.69? How can i do the sums to see which is the better alternative?

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So maybe a sum involving .......
Yes, as long as you can be seen to be acting reasonably in calc'g your estimate.

 

So i cannot claim contractual interest as well
You can claim CI plus 8% on top when you file at court.

 

However, I was meaning that you should do the calcs using just 8% Stat'y Int't to check if the difference really make it worthwhile claiming CI.

We could do with some help from you

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ok i'll try doing the average "charge" sums and see how that tolls up.

 

Is the statutory 8% just a simple addition of 8% on the amount due in charges? In other words, £1275 + 8%? How do i calculate the s.69 interest otherwise?

 

Thanks for the help :)

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Hi Mack,

 

Reconsidering - will post further asap - taking advice about your claim.

Edited by slick132
getting Site Team opinion

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Hi Mackerel,

 

Use the Site spready which Bigmac linked above in post #22.

 

Fill in all the charges you paid to Barclays and complete the spready in accordance with the Interest Tutorial which I linked earlier. Don't be concerned about what rate you were charged at different times.

We could do with some help from you

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