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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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All MBNA Caggers Fight Against MBNA's underhand tactics


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Thank you Elgrand, I was thinking of signing up for Choose To Refuse on my home phone line but am loathed to spend money just because of their harrassment. It's the calls to my mobile which bother me most because I always have that with me

 

MBNA are just bullys and I wonder how people can do the job they do and sleep at night....

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It's the calls to my mobile which bother me most because I always have that with me

I gave up my old mobile and got a cheap pay as you go, so i no longer have that problem with them.

 

I just read about the Truecall, that looks like an amazing bit of kit!!
It sure is. You can manage your calls and preferences online and keep synchronising them to the device.

 

I have all the nasty numbers blocked and it sends them a message not to call me. There really is so much you can do with it and i highly reccomend it.

 

Elg.

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Sadly I can't do that as I have an iPhone....if I was still on PAYG then I would do....fnrgh! Wish the mobile companies would come up with a way to block calls

 

I think I may stump up the money for this little gadget, it'll make my life much quieter at home.....LOL!!!

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I just read about the Truecall, that looks like an amazing bit of kit!!

 

Hello,

 

It is a brilliant piece of kit ..... I actually accept all the DCA's calls and record all of them ...... They drop themselves in it every time ...... the things I have recorded them saying ... you would not believe!!!

 

The Truecall computer software is terrific.

 

The firm that supply it are very helpful and answer all questions to the full.

 

Onwards and Upwards

 

Chalkitup

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Hmmm....they told me they had *requested* mine and if they could would let me have a copy??

 

Maybe ICO is the way to go??

 

PS: Do you think your agreement is enforceable, if not what do you propose to do about it??

 

Nope, the ICO will not consider this as part of any complaint made to them.

 

This is their response to me.

 

"In your subject access request you specify that you want full copies of all contracts including true signed copies of all original contracts. If these contracts fall under the jurisdiction of the Consumer Credict Act (CAA), we would not be able to consider this part of your complaint as we do not have any involvement in regulating sections 77 or 78 of the CCA. The CCA is regulated by the Office of Fair Trading and as such they may be able to offer you further advice on this matter". They give the the address of the OFT.

 

So there you have it.. bombard the OFT with any complaints regarding non compliance with the CCA request. :D

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"In your subject access request you specify that you want full copies of all contracts including true signed copies of all original contracts. If these contracts fall under the jurisdiction of the Consumer Credict Act (CAA), we would not be able to consider this part of your complaint as we do not have any involvement in regulating sections 77 or 78 of the CCA. The CCA is regulated by the Office of Fair Trading and as such they may be able to offer you further advice on this matter". They give the the address of the OFT.

:D

 

I think they're wrong here. If you made your request under CCA legislation and the information failed to materialise then yes, I would agree. But when you undertake a SAR then you should be provided with all data, regardless of the legislation which brought about it's implementation.

 

For example, does that mean that you are not entitled to receive a copy of any Notice of Assignment because it is necessitated under the Law of Property Act?

 

You wouldn't get hardly any data disclosed on this basis!!

 

I can't help feeling that someone is putting the squeeze on the ICO to start bouncing these complaints away!! :evil:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Hi all,

 

If you send the letter asking MBNA to only contact you in writing do they actually abide by it? I'm getting royally p**sed off with the calls from them. I'm getting at least two a day if not three, they NEVER leave a message though which is odd!

 

I'm not getting upset just annoyed!!

 

It only worked with me when they passed OH's account onto Aegis (overseas), at which point I mentioned rather vehemently to them that we had suddenly started getting sales calls from the US, and how precisely was OH's data being processed and protected by them?

 

This was after 3 or 4 letters telling them to write only, but after this one they did stop, save for a couple more that got through whilst their 'we won't phone you' letter was in transit. This was months ago and we've not heard a peep phone-wise from them since.

 

Try writing to someone higher up rather than the normal minions (ie ignore anyone like the 6+ Heads of Customer Assistance - sod all will happen if you write to them!), as that may get you a better response, even if you haven't had the account passed on. Possibly:rolleyes:

 

I've got the address of (one of) the VP's who sorted it for us if you would like it. I'm sure others have addresses too that they could post for you to try!

 

One thing I did see that I quite liked the idea of was emailing them. Whoever the poster was, they got the email addresses of everyone they could find in the company, from the plebs at the bottom of the chain to the CEO. Then, every time he got a phone call from them he sent a mass mail to everyone detailing the time of the call, who it was, the amount of calls they were currently up to and telling them to write only. I seem to remember after about 2 days he had an email telling him contact by phone would cease with immediate effect:)

 

That one sounds like more fun:D

Time flies like an arrow...

Fruit flies like a banana.

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One thing I did see that I quite liked the idea of was emailing them. Whoever the poster was, they got the email addresses of everyone they could find in the company, from the plebs at the bottom of the chain to the CEO. Then, every time he got a phone call from them he sent a mass mail to everyone detailing the time of the call, who it was, the amount of calls they were currently up to and telling them to write only. I seem to remember after about 2 days he had an email telling him contact by phone would cease with immediate effect:)

That one sounds like more fun:D

 

Absolutely love that idea Lex!! It's up there with Underdog's whistle blowing technique!! lol :D:D:D

 

Now...if only we could get a copy of those email addresses...;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

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Absolutely love that idea Lex!! It's up there with Underdog's whistle blowing technique!! lol :D:D:D

 

Now...if only we could get a copy of those email addresses...;)

 

 

I bet that if you look carefully in the Company annual reports - and get the Directors names - and then look at how they do their email addresses that you could work it out...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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I bet that if you look carefully in the Company annual reports - and get the Directors names - and then look at how they do their email addresses that you could work it out...

 

 

Then send them in reply to the Nigerian 419ers

 

I knew they would come in handy at some time.

Now Dr Abngowa where are my millions?

 

GK

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Hi all sorry to drift off subject, i read a thread a couple of days ago that stated Howard cohens solicitos for the quality DCA Cl finance :rolleyes: had gone into partnership with another firm hence changing their name, if this is correct should they still be issuing claim forms in their old name?

 

Any thoughts

 

GG

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Hi all sorry to drift off subject, i read a thread a couple of days ago that stated Howard cohens solicitos for the quality DCA Cl finance :rolleyes: had gone into partnership with another firm hence changing their name, if this is correct should they still be issuing claim forms in their old name?

 

Any thoughts

 

GG

 

Now Cramer Cohen of Leeds, but still using Howard Cohen Cleakheaton as subsidiary, so no reason for them not to carry on.

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Here is the MBNA agreement received a while ago:

 

mbnaagreementp1deletions.jpgmbnaagreementpage2.jpg

 

I have no doubt it is a cut-n-paste job.

 

  • There is no fold line on the first page.
  • There is no reference on page 1 to the financial particulars on page 2.
  • The first page states "If your application for a credit card is approved"
  • Under Data Protection it refers to section 11 of T&Cs. Section 11 of the T&Cs supplied is 'Altering this Agreement'
  • On page 1 it states 'Issued by MBNA Europe Bank Ltd, Chester' and page 2 again MBNA Chester, yet the address label is MBNA Harlow Essex.

 

Anyone remember MBNA in Essex?????

 

I wonder if they'd dare take this into a courtroom? :roll:

Edited by basa48
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Here is the MBNA agreement received a while ago:

 

?action=view&current=mbnaagreementp1deletions.jpg?action=view&current=mbnaagreementpage2.jpg

 

I have no doubt it is a cut-n-paste job.

 

  • There is no fold line on the first page.
  • There is no reference on page 1 to the financial particulars on page 2.
  • The first page states "If your application for a credit card is approved"
  • Under Data Protection it refers to section 11 of T&Cs. Section 11 of the T&Cs supplied is 'Altering this Agreement'
  • On page 1 it states 'Issued by MBNA Europe Bank Ltd, Chester' and page 2 again MBNA Chester, yet the address label is MBNA Harlow Essex.

 

Anyone remember MBNA in Essex?????

 

I wonder if they'd dare take this into a courtroom? :roll:

 

It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

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It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

 

Well yes ... I can barely read the copy right in front of me. In fact I'd go so far as to say most of the prescribed terms in there I can only guess at because I know what they should be!!!:roll:

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Cosalt, this is becoming standard practice for ALL creditors to demand a signature. I would make it as different as you can, sign over lines or XXXX's.. photocopy the signature page before returning it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

 

It would certainly fail the CCA legibility requirement ...... but then this document was part of a SAR, which as far as I can see, has no legibility requirement.

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It would certainly fail the CCA legibility requirement ...... but then this document was part of a SAR, which as far as I can see, has no legibility requirement.

 

Doesn't it mention an "intelligible format" for SAR. So if you can't read it...

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Doesn't it mention an "intelligible format" for SAR. So if you can't read it...

 

Yeh I did see that clause, but wondered if it was meant more a language thing i.e. not using legal or technical terms. I suppose it could well be interpreted as readable also.

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