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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

**rbs Claimers Please Read**


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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Hi, and thanks for that.

 

I am highly amused by the

* Decline letter (commonly called a "sod off")
comment as this is what I have been calling them for months on this forum. First time ever a bank and I think in the same level, lol.

 

Above this figure and it gets declined.

 

To which my first reaction is: "Yeah, and?" :-D

 

And with all due respect, there is an inherent contradiction between the £350 level of instant refund and the comment that they don't want the bad publicity. It just doesn't equate. :-?

 

And finally:

 

My brother has heard of 2 cases going to court, one of which RBS defended. They always settle

 

I would love to get more info about that. Because to my knowledge, that's not true at all. There's only been one case to ever get to court, and that was Natwest.

 

The fact that they always settle? Yeah, we know that, lol. Not just them either. I doubt that's going to change any day soon either, especially now the OFT is going to launch an enquiry into bank charges too.

 

Thanks all the same. Say hi to your brother from me.

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

Bookworm- possibly one of them could be the NW case because part of the same group. The newspaper thingy may well work though.

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Good point, yes. To us plebs, they're different entities.:p

 

I just have a problem with the threat of media attention. Not least because I have never known it to work, but also because it still seems a cop-out to me. Just my opinion, don't get me wrong! But I have suffered so much at the hands of those censored.gif at Natwest that I relish the idea of saying to them, this is my RIGHT, it's MY money, you can give it back or fight, and see them back down. Somehow, a threat of bad publicity still feels like letting them get away with it.

Like I said, just my gut feeling on it.

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Edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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I'm 100% with you there. Can't wait to begin my case with RBS - but have to clear my O/D first as likely they'll default it - and I don't want any bad info on my file.

 

Can/would they default you for having an overdraft even though you are disputing money which they owe you and would possibly make up a huge chunk of th o/d?

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I have been in contact with several rbs people by e mail.

I have in addition to making a claim for penalty charges,been asking for default removal.

Today I finally got a reply after 2 letters from them asking for more time.

 

They flatly refuse to refund any charges.

They are unable to issue me with a copy of any default notice they said they sent but did not

They confirm I disputed the charges with their collections agency after default.

(as anyone would do )

They therefore say the default was fairl levied as it was a breach of their terms and conditions.And there is no way they will remove it.

The 2300.00 penalty charges were fair and reasonable.

The default of 800 was wholly comprised of penalty charges.

 

They tell me if I am not happy now I should contact the F.O.

 

They have sent me a bank ombudsman booklet ....to go with the other 20 I have got.

 

The letter ends by saying I may treat the letter as a final response.

 

therefore paving the way for court.

 

I am a little mystified as to why there does not seem info of completed claims tho reading the posts above maybe they are doing a Barclays too ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...

Martin3030 - please dont hijack threads. Start one up in the RBS forum.

 

Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Apart from my recent claim against RBS,at the start of this year i phoned my local branch asking for a 40 quid charge to be refunded,after lots of phone calls i told my branch that I had been in touch with the Financial Times and they were very interested to see the outcome.When the teller asked me to repeat who id spoken to,she left me on the phone for a few minutes,came back and said my charge had be refunded!And all because i called their bluff and mentioned the press......try it ,it does work!Goodluck

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Martin3030 - please dont hijack threads. Start one up in the RBS forum.

 

Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!

 

 

I have one in the Rbs forums thank you very much.

 

Though dont know why you are telling me now........24 days after the post

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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And incidentally there nothing in my posts which are not in the same vein as the discussion you started yourself.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Yes well I will remember this in future.........you can certainly be assured of that.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I meant no ill-will Martin, regardless of the fact your post is oozing with sarcasm I will reply no further to this thread other than to retort that thread hijacking is discouraged for a reason, and I merely politely asked, please included, that you refrained from hijacking.

 

Have a good day, no ill-will meant - Ive got enough enemies :)

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

Telewest- personally, your first post is one which I think is very important re NW(part of RBS Group) as well because of the inside info that was posted. Is it possible to also put both your first part and the bit about bluff on the Bank Workers part of the forum, I think more people may view it more. If you have more insider info would also be useful on that part of site.

On the FT thing did you mention any names or was is just a "someone" who would be interested.

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Guest NATTIE

telewest

When you got the refund from the bank threatening that someone from the Financial Times would be interested, did you name drop or did you mention a specific name?

 

Ditto!

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Guest NATTIE

Just re read the thread and realised that you hadn't posted that bit and was posted as a reply to your thread......oops, I'll have to get my eyes tested!

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Bloody Natwest staff ;P they're all the same !

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Just to say I followed your advice and sent a final letter to RBS (and B of S for another account) saying unless I got a favourable response from them by 21st August I would consider taking my story to a national daily newspaper. I still hadnt received a response from either of them so I phoned them both yesterday. RBS said a letter was coming out this week to me but it sounds like they were only going to be reconfirming their previous position, and B of S said their position still stands and they will not be making any further offer.

 

So unfortunately it looks like court action is the way I am headed...

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I've kinda gone down the same road.

I contacted the Daily Record, 2nd largest national daily in Scotland (where I assume most of RBS' customers hold their accounts) asking them if they would like to follow the story. I havn't had a decision as yet, but have received a reply from them.

I should be getting my statements this week, so when I send off asking for the charges to be repaid I will mention (Presuming of course that I get a favourable reply from a specific reporter) :

"I feel it is my duty to inform you that NAME HERE from the Daily Record is following the developments of these correspondance with great interest, and it would be in the best interest of all involved to not waste time or expense by using delaying tactics to prolong the outcome".

I havn't worded that properly yet, but it will be something along those lines i think.

I think it also gives you an advantage when the settlement comes. You can agree not to go ahead with the story, however you can stipulate that if your bank account is closed without a justified reason, or if the bank tries to mark your credit file or something then you will consider the deal terminated and ensure that the said reporter is informed.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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The Sun is reportedly the biggest seller now.

Rbs do not appear to have any direct connections with newspaper publishing but they do seem very active elsewhere just look at this

 

Banking: Adam & Company | Bank von Ernst | Charter One | Child & Co | Citizens | Coutts | Drummonds Bank | First Active | MINT | NatWest

| Royal Bank of Scotland | Tesco Personal Finance | The One account | Ulster Bank | X-ite

Insurance and Motoring: Churchill | Devitt Insurance | Direct Line | Finsure | Green Flag | Jamjarcars | Lombard Direct | Priviledge

Corporate and Payment Services: Angel Trains | BIBIT | Lynk | RBS Greenwich Capital | Streamline | WorldPay

Annual Group Revenue: £20.9 billion GBP (10px-Green_Arrow_Up.svg.png11.8% FY 2004) | Employees: 140,400 | Stock Symbol: LSE: RBS | Website: www.rbs.com

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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